Our bank has several Christmas Club accounts, mostly with preauthorized inter-bank transfers. However, if a Christmas Club account customer makes a deposit in person by cash or check, does that trigger a monthly statement to be generated and sent?

Do you mean intra-bank transfers?

Inter-bank transfers would trigger Regulation E statement requirements.

As for your question, though, deposits by check or cash don't by themselves trigger a statement requirement unless there's a state law that says so.

I'm talking about customers who come into the bank and make a deposit of cash or check at a teller station. Most of our Christmas Club transactions are intra-bank and do trigger Reg E requirements; but what about the old fashioned deposit of cash or check -- does that trigger a statement?

I think I answered that question. No. And those intra-bank transfers you describe probably do NOT trigger Reg E requirements. See Section 205.3(c)(5).

Thanks for the response and the cite.