Our current practice is to report all joint owners on a withdrawal.

Situation: Wife withdrawals $9,800 over the counter from an account held jointly with her spouse. Same day, she withdraws $500 cash at the ATM (her card was used).

Being we've chose to report joint owners, would you list him on the CTR for just the $9,800 or the full $10,300?

We haven't had a sitation like this come up (with an ATM w/d thrown in the mix)...and yes, I'll look at it from a suspicious stand point as well.

See question 24 from the CTR FAQ's. You are entitled to make the decision you have made; i.e. to report all owners on every withdrawal. You are not required and should not apportion the total amount withdrawn between them (regardless of whose card was used or who was standing at the window).

List $10,300 for each of them in item 22.

Thank you, Ken, that helps alot! I really appreciate your input.