Overview

In order to meet Capital City Bank (CCB) BSA/Compliance reporting requirements, associates are required to obtain benefactor/transactor personal and identification information for certain types of transactions equal to or greater than $3,000. 

You are automatically prompted for benefactor/transactor information when certain transaction criteria are met.

Note:  A client or non-client processing a cash transaction for $10,000 or more is required to provide their TIN number or the transaction must be declined. 

Procedure Example

When processing a transaction equal to or greater than $3,000 for a client, do the following:

1. On the transaction screen, for check cashing, withdrawals, or money order purchases, enter the following:
   • Instrument (L, D, N).
   • Account number 
   • ID information
   • Check and Cash Out amounts  
2. Click Complete.
3. On the Account Balance Verification screen, choose the Account Type from the drop-down menu.
4. Enter the account number.
5. Click OK. 
6. On the Account Balance Verification screen, verify all information to ensure sufficient funds for the transaction and click OK. 
7. On the CTR screen, under the Conducted On Behalf Of (benefactor) section click Add Person.
   • Note: When conducting a cash deposit transaction the benefactor information automatically populates.
8. Enter client name, tax ID, account number or CIF for the person or account who is benefiting from the funds (who is getting the money). 
   • Best practice: Search using the client/non-client Tax ID number to ensure you choose the correct person. YOU MUST be sure you are selecting the correct benefactor. 
   • Can be a client or non-client.
9. Click Search.
10. Click Select Person.
    • Note: if the check is made payable to multiple persons, and those persons are standing in front of you, enter transactor information for both.
    • If the individual is not found or the individual is not located in the list, click Add. 
    • Enter all required fields.
      • If a Benefactor/Transactor chooses not to provide their TIN number when requested, you can bypass this requirement IF the transaction is less than $10,000.
        • Use the ID Type drop-down menu to choose Other ID.
        • In the Other ID field, enter the type of ID presented (for example: drivers license, passport).
    • Click Save.
11. On the CTR screen, under the Transactors section, click Add Person. 
    • Enter information for the person standing in front of you (client or non-client).
    • The Transactor must be a person, not a business.
      • Note: This may be the same person as the Conducted On Behalf Of (benefactor). Click Add Person to Transactors to copy information to the Transactors field.
      • If the individual is not found or the individual is not located in the list, click Add. 
      • Enter all required fields.
        • If a Benefactor/Transactor chooses not to provide their TIN number when requested, you can bypass this requirement IF the transaction is less than $10,000.
          • Use the ID Type drop-down menu to choose Other ID.
          • In the Other ID field, enter the type of ID presented (for example: drivers license, passport).
12. Process the transaction as normal, validating the documents as required