I agree with Ken. I dont really see how you could file a SAR based on the situation you described.
That aside, what is your Bank's policy about ID? Most banks will request a new form of primary identification when they find out what they were relying on, has in fact, been expired.
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"100 victories in 100 battles isnt the most skillful. Subduing the other's military w/o battle is the most skillful." Sun-Tzu