Currency Transaction Report (CTR) Filing

Workflow for completing and filing CTRs for cash transactions over $10,000. Required within 15 days per 31 CFR 1010.306. Takes 10-15 minutes per report. Best for: BSA staff, branch operations.

3 steps

Banking

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Process steps

Verify all required information is captured

3 days from previous step

task

Review the documentation from the transaction. You need: full legal name, date of birth, address, SSN or alien ID, occupation, and identification details. For business accounts, also get the business information. Missing data will cause filing rejection.

Form fields in this step

Customer Information Complete *

ID Documentation on File *

Complete CTR form

10 days from previous step

task

Fill out the CTR with all transaction details. Be accurate - the information goes to FinCEN and may be used in investigations. Include all related transactions from the same person on the same day. Note if this was a deposit, withdrawal, or exchange.

Form fields in this step

CTR Completed *

Number of Transactions Included *

Submit CTR via BSA E-Filing

15 days from previous step

task

Submit the completed CTR through FinCEN's BSA E-Filing System. You have 15 calendar days from the transaction date. Verify successful submission and save the confirmation number. CTRs must be retained for 5 years.

Form fields in this step

Filing Date *

BSA Confirmation Number *

Retention Date (5 years) *