I may be overthinking this but here is the situation that has me second-guessing myself despite my forum profile name
:
Note: Husband and Wife come in together during all transactions although not done all at once.
1) Currency Exchange - Indications are they will both benefit
2) Transit Checks Cashed by and payable to husband
3) Account Withdrawal by wife
Husband Total including C/E = $8900
Wife Total including C/E = $3400
Total: $12,300.00 - CTR form generates due to Account/SS#'s being referenced by tellers
I lean toward no CTR because although they were together - we do NOT have knowledge that either of them benefitted from
all transactions conducted with the exception of the currency exchange that was just over $2,000.00.
Them both being present is the monkey wrench here. Had they come separately, this would be a non-issue.
Thoughts? Anyone?
Appreciate the feedback!