I have two questions regarding the types of transactions that are used and how they are listed on a CTR:
First if a customer receives cash back on a deposit is that considered a withdrawal from the depositing account? Sometimes they deposit a not on us check and get most of the money back in cash, wouldn't that be considered a cashed check? (even though technically we don't cash the check out).
Or if they take money from a savings,deposit some of it in a checking and take cash back from the deposit, wouldn't that be a savings withdrawal?

The second question is in regards to HELOC checks. If a Third party cashes a HELOC check is that considered a negotiable instrument cashed?
But if the owner of the HELOC comes in and writes out a counter withdrawal ticket for a HELOC wouldn't that be a loan draw?

"Less cash" deposits of the type you describe are reported as cashed checks for the amount of cash taken back from the total.

In the savings account case you describe, the cash transaction would be the withdrawal from the savings account, and would go on a CTR that way if more than $10,000 is walking out the door. The deposit to the checking account would not be considered cash at all in such a case.

Cashing a HELOC check for a third party (presumably the payee) is a negotiable instrument cashed, and, for my money, the last situation would be a loan draw.

The most important things are the accurate reporting of the amount of cash in or out, and enough information for the bank to be able to reconstruct the transaction from records if asked by law enforcement.