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Suspicious Activity – Commercial Accounts

  1. One or more cash deposits a week that is structured to avoid CTR reporting.  (Note: Structuring involves the repeated depositing or withdrawal of amounts of cash less than the $10,000 limit, or the splitting of a cash transaction that exceeds $10,000 into smaller cash transactions in an effort to avoid the reporting requirements.)
  2. Two or more instances a week, where a customer makes two or more cash deposits on the same day, and the total of the deposits is between $5,000 and $8,000.
  3. One or more instances a week, where a customer has made cash deposits to two or more related accounts, and the total of the deposits is between $5,000 and $10,000.
  4. Cash deposits that are over $10,000, and, that are 25% greater than the customer’s second highest cash deposit.
  5. Cash deposits that are over $10,000, and, that are 150% of the customer’s average cash deposits (ignoring inconsequential deposits that are below $3,000).
  6. Cash withdrawals of more than $5,000, unless the withdrawal is made for payroll purposes.
  7. Deposits or more than $3,000, made in traveler’s checks or money orders.
  8. Single purchase with cash of cashier’s checks, traveler’s checks, or money orders for more than $5,000.
  9. Purchase of a CD with cash, for more than $5,000.
  10. Deposits of more than $5,000 in a week, made primarily from wire transfers.
  11. Check cashing customers, whose deposits of checks exceed by 50% the amount of cash they withdraw.
  12. Two or more instances a week, where small bills ($1, $5, $10, $20) or exchanged for large bills ($50, $100), in excess of $3,000.