Customer shows up with $15,000 cash to deposit, isn't sure how much she wants to deposit "I don't want to pay taxes on the whole $15,000." She deposits $10,000 cash, then changes her mind before leaving the teller station and only wants to deposit $9000. The teller reverses the $10,000 cash deposit in the teller software, and there's a $9000 cash deposit instead. The $9000 and the $10,000 cash was the same cash. Is there a CTR for $19,000??? Obviously there are other considerations to think about but we're unsure about whether a CTR is required.

Regardless of how the teller processed the transactions followed by reversals, did cash physically cross the counter and go into the teller drawer only to be returned to the customer? There's really not enough information about what actually took place. At first glance, I'd say you have a deposit for $9,000 and no CTR.

As for the "other considerations" I'd be filing for $15,000, checking the "alters deposit box" and "transactions below CTR threshold box."

I agree that more facts are needed. Did the customer physically hand over the $15,000 before deciding on the $10,000? In that case, you'd be looking at a CTR for $15,000 ($9k in with $6k cash exchange). I also agree with BrianC that a SAR because they did alter to avoid reporting based on what you have given us.

And this is why I love this forum! Always good answers, always good perspectives, and the answers always help. After asking more questions, we learned that yes, the customer handed $15,000 to the teller, and changed her mind twice about how much she wanted to deposit. She apparently originally wanted to deposit $9999, but after calling her husband, he told her to deposit $9000. My eyes actually hurt right now from rolling them so hard.