Customer made a CTR reportable deposit on 9/25/15. A $20 note thought to be counterfeit and was debited from the deposit total. On 10/23/15 customer made another CTR reportable transaction and on that day notice was received from Secret Service that the original $20 bill was NOT counterfeit and was also deposited to account on 10/25/15. Do we amend the CTR from 9/25/15 and increase the amount by $20 or add the $20 to the deposit of 10/23/15?

Called FinCEN HelpDesk and they told us to amend.

Which one did they say to amend, 9/25 or 10/23? I suppose for a lousy $20 it wouldn't matter much.

I'm fairly certain that the correct answer was "tails."

The 9/25/15 one. We hadn't filed the 10/23/15 yet. I agree, an amendment for $20 bucks sounds ridiculous. I think if it was credited to the customer on10/23/15, that's when it should be reported, but they get to make that decision and I will abide by what they say