TTR obligations also don’t apply when the designated service involving a threshold transaction is: If you are late in submitting a TTR, or don’t submit one when you should, you can be fined up to 100,000 penalty units if you are a body corporate or up to 20,000 penalty units if you’re not a body corporate. Check your local Money Services store for exact fees and limits in your area. Banks – or virtually any other business that's collecting this much in cash – must file Form 8300 with the IRS, a "Report of Cash Payments Over $10,000 Received in a Trade or Business," when they receive more than $10,000 in cash from any customer or client. ‘Reasonable grounds’ means that after considering all the information and circumstances available, a reasonable person would conclude an SMR should be submitted. This is because some accounts (such as corporate accounts) may have many signatories and it can be impractical for a reporting entity to collect the details of all the individuals. If you can’t collect or verify the information, you may decide not to provide the service. However, AUSTRAC can ask you to give us information about any other signatory to the account. The stockbroker, Ms Crimson, has an account with Elm Bank. But in California, a check-casher can charge up to 12% of the value of a personal check. There is no Currency Transaction Report. Keep in mind that for checks over $10,000, you will need to fill out government-required paperwork, and the bank will need to report it to the IRS. If you are an affiliate of a remittance network provider (RNP) and the threshold transaction was made on your RNP’s network, they must submit the TTR for you. *You get free access to your business credit reports and scores when you sign up for a free Nav account. Lv 6. Officials from AUSTRAC or one of our partner agencies may ask you in writing to provide more information about a TTR. It’s reasonable for you to accept that the individual is the customer unless you have good reason to believe otherwise. This option is suitable if you’re a large business that captures and stores transaction data electronically. Before you make a decision or take a particular action based on the content on this website, you should check its accuracy, completeness, currency and relevance for your purposes. Source(s): Retired bill collector 35 years. If a customer deposits physical currency of A$10,000 or more (or the foreign currency equivalent) directly into your bank account (rather than paying you in cash), you do not have to submit a TTR. Each transaction involved transferring A$10,000 or more, so the financial institution must report both transactions to AUSTRAC in two separate TTRs. Talk quietly when speaking with the bank teller. High-risk PEPs include all foreign PEPs, and those domestic or international organisation PEPs you identify as a high risk of money laundering or terrorism financing. What this means is that even if you make a cash deposit of $5000 and initiate another $5000 deposit at different times, the Form 8300 still has to be filled and the transaction red-flagged. The IRS defines cash as currency, bank drafts, cashiers checks travelers checks and money orders, so you don't have to fill out this form for personal or business checks over $10,000, or for direct deposits over $10,000. You can use information you have previously collected from the individual to complete the TTR. By signing the back of your check over to someone you trust and know well, they can just as easily go into their own bank, cash it, and hand you the money. Note: immediate family members or close associates of PEPs are also considered to be PEPs. They have strict check limits. Of course, the stipulation here is that you should only ask someone you truly trust to do this for you. They will most likely tell you that you will need one to two forms of identification. Where can I cash a check over $5000 around north-central WV? A cash deposit of $10,000 will typically go without incident. Example 2. Mr Grey visits Elm Bank and makes two cash deposits of A$7000 each into the same account because he wants two separate line items in his bank statement for bookkeeping purposes. AUSTRAC acknowledges the traditional owners and custodians of country throughout Australia and acknowledges their continuing connection to land, sea and community. A ‘threshold transaction’ is the transfer of physical currency of A$10,000 or more (or the foreign currency equivalent) as part of a designated service. These financial instruments are treated like cash, but you're less exposed if you lose it. No. It’s true if you deposit more than $10,000 in cash your bank has to report the transaction, but this shouldn’t be a concern as long as you keep the paperwork from the sale. Copyright 2021 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Anytime you cross the border, you must declare any currency or monetary instruments you have valued at Can$10,000 or more. The next day, she returns to Cedar Bank and purchases a bank cheque with A$6500 cash and deposits another A$9000 cash into her account. Reviewed by: Ryan Cockerham, CISI Capital Markets and Corporate Finance. Plan on paying the $8 cashing fee as most stimulus checks are worth at least $1,200. We pay our respects to the people, the cultures and the elders, past and present and emerging. If you’re looking to cash a personal check, you may want to look at other options. 12 Answers. Learn More →. This amount includes Canadian or foreign currency or a combination of both. If your customer is a high-risk politically exposed person (PEP), you must: Enhanced customer due diligence procedures include considering whether or not you should process particular transactions, and whether existing customer identification information you have on record should be updated or re-verified. You could get a letter from the IRS asking where the cash came from. It is the responsibility of the financial institution that accepts the cash to report it to AUSTRAC. the transaction wasn’t made face-to-face (for example, a deposit made through a night safe or express deposit box). There are four different TTR report forms and detailed instructions on how to fill them in are available in AUSTRAC Online for different industry sectors: If you don’t fit into one of these groups, use the financial and bullion services form. In addition to reporting cash transactions exceeding $10,000 (not just single transactions, but transactions conducted over the course of a day that collectively add up to $10,000 … In these cases, you may consider collecting identifying information about the customer from the individual who wants to make the transaction and verifying this information before you provide the service. the individual who conducted the transaction (if they weren’t the customer), the transaction, including the amount of cash, digital currency and any other currency, the recipient of the money (if they weren’t the customer), the type of customer (for example, different information is required for companies compared to trusts), whether the individual making the transaction was not the customer (you will need additional information if this is the case), the type of designated service you provided to the customer, an employee acting on behalf of the customer (such as depositing business takings), conducting the transaction on behalf of an organisation such as a trust or association which is not the customer. Re: How to cash a check over $10,000 ? $7,000. signed in the past year that your account is flagged if anything over $5000 is deposited in it. Example 2. Keep in mind that for checks over $10,000, you will need to fill out government-required paperwork, and the bank will need to report it to the IRS. A completed report is confidential. However, you can cash a large check without dealing a hold at some banks, check cashing stores, and grocery stores. In order to cash checks valued at over $10,000, you will most likely need to contact the bank from which the check originated. 2 years ago. But doing anything like that may draw attention, especially in … If you have any questions, please reach out to us on our contact us page. Just use a single cashier's check over $10,000 if possible. You cannot walk into your bank or the bank the check was drawn on and simply be handed the money. To find out your daily deposit limit, you’ll need to contact USAA at (800) 531-8722. Because Ms Crimson didn’t handle any physical currency when buying the securities, she doesn’t have to report the second transaction to AUSTRAC or submit a TTR. Travelling with CAN$10,000 or more. Cash can be used to pay for a transaction up to the limit. She asks to make a deposit of A$13,000 into her bank account, and buys A$12,000 worth of foreign currency. In order to ensure your safety when handling and transporting large sums of cash, you want to bring something inconspicuous to carry the money in. Ms Crimson uses the money to buy securities on Mr Green’s behalf without physically handling any currency. For non-customers, as mentioned above, you will need two forms of ID to cash a check over $500. where can I cash a personal loan check of $10,000 without being charged a large fee. Technically, there's a $10,000 cashier's check limit, so $5,000 wouldn't ordinarily wave a flag. Extraction – you can use a computer program to extract relevant transaction information from your database, collate it into a single file and send it to us via AUSTRAC Online. the designated services are provided at or through your permanent establishment in a foreign country. If you want to cash a check that’s over $5,000, you’ll usually need to visit a bank and you may have to wait a while to get your money. Fraud Fighter: Bank Secrecy Act, The $10,000 Rule, Ithaca College: Accepting Cash and Checks Procedures. Banks only are required to report transactions made in cash. Plus, check with an accountant to determine the best way to declare income from the sale of the used car. Data entry – TTRs can be completed and submitted manually. But the IRS is on to you, they know what you did last summer. This article was written by PocketSense staff. Some banks and branches may not cash checks this large, so do call ahead and save yourself the trouble of visiting a branch that cannot help you. Banks report individuals who deposit $10,000 or more in cash. The closest branch of the issuing bank is 140 miles away.? If it’s at your bank walk-in branch, your teller banking representative will verify your account information and ask for identification. The Bank Secrecy Act requires banks to report cash transactions over $10,000 to the IRS. Whether you got lucky with the lottery or you just got paid for a settlement or inheritance, you may have trouble trying to cash your check for more than $10,000. It’s true if you deposit more than $10,000 in cash your bank has to report the transaction, but this shouldn’t be a concern as long as you keep the paperwork from the sale. Failure to declare currency in amounts more than $10,000 can result in its seizure. By signing the back of your check over to someone you trust and know well, they can just as easily go into their own bank, cash it, and hand you the money. I suppose under the bill(6166?) the transaction involved an individual from a cash courier service. Walmart cashes your check for cash or a Walmart MoneyCard. You can take up to $10,000 in cash, but $10,000.01 will trigger a currency transaction report. Cash transactions of $10k or more, or aggregate transactions totaling $10k or more over a short period of time, are subject to reporting. Full instructions for what must be included and how to fill in the different TTR forms are in AUSTRAC Online. However, if you generally do not make such large deposits, the bank may complete a SAR (Suspicious Activity Report) or flag the check as potential fraud until it clears. Bundles of $100 bills? Claim: It is illegal in the U.S. to carry $10,000 or more in cash. But give you actual currency? You are legally required to provide this information if asked. No. This might be because, for example: If you don’t know whether the customer or someone acting on their behalf made a transaction, you must fill in the TTR form as if the individual was the customer and supply the details accordingly. A transfer can be either receiving or paying cash. Reporting cash over $10,000. I suppose under the bill(6166?) Ms Cerise visits Cedar Bank and deposits A$4000 cash into her account. Since it is over $10,000, it will be reviewed by the bank itself. You will still be able to deposit and withdraw $10,000 or more cash into and from your accounts. The bank will check your identification and take a thumbprint; they may even call the signer of the check to make sure it is valid. 1 0. It became overdrawn and has been closed, and I can't pay it off to open another account unless I can get money. It is safe, secure, and inclusive for all checks and, after cashing your check, you will receive a preferred check-cashing card to simplify all your check cashing needs in the future. You don’t have to include the details of the individual who made the transaction in a TTR if: Instead you must give AUSTRAC a statement about the circumstances of the threshold transaction, as well as the customer details. Financial exchanges that occur over a time period that exceeds 24-hours can still be considered related if the recipient knows, or has reason to know, that each transaction is on a series of connected transactions. You are a retail jeweler. They will also entire a forex transaction report, which will be submitted to the IRS and include things like your identifying information and facts, like as your social protection quantity and particular handle. Lv 7. Just deposit it into your checking of savings account. Cash also includes cashier’s checks, bank drafts, traveler’s checks, and money orders. Some national stores will offer check-cashing services, but you can usually expect a fee of at least a few dollars. signed in the past year that your account is flagged if anything over $5000 is deposited in it. No, as long as the check is made out in your name, on the account of the person issuing the check. The requirement to report currency on a FinCEN 105 does not apply to imports of gold bullion. 9. Sign the check over to someone you trust. Where can you cash checks over $15,000? Reporting cash over $10,000 Just know that anytime you travel internationally with money, you’re required to declare any cash over $10,000. Instructions on this method are available in AUSTRAC Online. $2.00 enrollment card fee. But doing anything like that may draw attention, especially in … It is *your* responsibility to report the gift at tax-time. Once every 4 days. If you have a good relationship with your personal bank, they may be able to assist you, but most times you must locate the bank from which the check originated. Of course, the stipulation here is that you should only ask someone you truly trust to … Check Your EIDL Credit Score. If you happen to have a stimulus check … If you need to deposit a check that’s greater than your daily deposit limit, you may be able to have your limit temporarily adjusted. But note that Walmart won’t cash any personal checks over $200. Federal law requires us to report currency (cash or coin) transactions conducted by, or on behalf of, one person, that aggregate to be over $10,000 in a single day. If possible, ask for a money order or cashiers check instead of a personal or business check, as it is treated like cash at any bank. Cashier’s check cashing requirements: To cash a check, you need a government-issued photo ID; Fees: Depends on the check amount; The fee for checks up to $3,000 is $3, while fees for checks over $3,000 vary; Find an H-E-B; Find out more in our dedicated … If you provide multiple services to a customer that add up to A$10,000 or more (or the foreign currency equivalent) when combined, you must decide whether to treat these services as a single reportable transaction or separate transactions. 10 years ago. You can also do a lookup on the routing range, the 9-digit code printed on the bottom of the check, to locate the financial institution from which it originated. Sign Up. Some common sense has finally prevailed in this great country, with plans to ban cash transactions over $10,000 being defeated in the Senate yesterday.. After more than a year of opposition from accounting groups, small businesses and the community at large, a unanimous voted to drop the bill was cast when One Nation Senator Malcolm Roberts brought the … The simple way is by filing Form 8300. They will also complete a currency transaction report, which will be submitted to the IRS and includes your identifying information, such as your social security number and personal address. Fees: $3 for checks up to and including $1,000, $6 for checks over $1,000 up to and including $5,000; Find a Walmart; 2. Any changes to the Bill are subject to full Parliamentary scrutiny. provided by an ESA holder to a customer that holds an exchange settlement account. For example, some account holders can deposit checks up to $10,000 through their mobile devices, while others have a smaller or larger daily limit. They waive the reload fee for the MoneyCard for select payroll companies and government checks. We cannot process your cash transaction without this information. You can withdraw as much money as you need from your bank account at any time, but there are some regulations in place for amounts over $10,000. Cashing a Check at the Check-Issuing Bank. Structuring is a money laundering technique which involves transactions being deliberately split into smaller amounts to avoid threshold transaction reporting. This avoids the requirement for the dealer to fill out Form 8300, now there's no reason for them to ask you to fill out a credit application or ask for your Social Security number. I can guarantee you no one will cash it for the whole amount in one day. The aim is to identify the source of money and prevent money laundering scams. There is also a money laundering law that a bank must report to Treasury cash transactions over $10,000. I'm not sure here on this, but I think it's obvious that amount would be looked at if deposited all at once. When the individual making the transaction isn’t the customer, TTR obligations when a customer deposits A$10,000 or more directly into your bank account, authorised deposit-taking institution (ADI), How to comply and report: guidance and resources, Money transferred to and from overseas (IFTI), Businesses providing support to reporting entities, Lists of exemptions and modifications granted, List of written notices to appoint an external auditor, Remittance Sector Register and remittance registration actions, Digital currency exchange provider registration actions, Reporting transactions of $10,000 and over: Threshold transaction reports (TTRs). To comply with the law, Cedar Bank submits an SMR to AUSTRAC. Meet the buyer at the bank where he or she has an account. From Form 105 The cashier's check is treated as cash. Banks and credit unions often will cash government, payroll, and other official checks along with personal checks if the check-writer has an account at the same institution. If you have a good relationship with your personal bank, they may be able to assist you, but most times you must locate the bank from which the check originated. If a customer deposits physical currency of A$10,000 or more (or the foreign currency equivalent) directly into your bank account (rather than paying you in cash), you do not have to submit a TTR. Cashing a check written for more than $10,000 does take extra steps compared with cashing a smaller check. You may be getting just a little confused. If Ms Crimson had paid for securities on Mr Green’s behalf with cash, she would have been required to submit a TTR. A $10000 check might be flagged, but it depends on the individual internal rules of the bank, and the actions of individuals in the bank. If you can avoid the check-cashing stores, you should, Rust says. If you have ‘reasonable grounds’ to suspect that a customer is structuring or attempting to structure their transactions so they will not be reported, you must submit a suspicious matter report (SMR) to AUSTRAC. Theoretically yes. Motor vehicle dealers who act as insurers or insurance intermediaries and solicitors must submit significant cash transaction reports (SCTRs) instead of TTRs. Fees to cash a check can range from 1 percent to 12 percent of the face value of the check. Update: I don't currently have a bank account. The cashier's check is treated as cash. The writer of your stale check may have specified “void after 90 days” or something similar on the check when he issued it to you. For larger withdrawals, you must prove your identity and show that the cash is for a legal purpose. Additionally, if you’re worried you might be toeing the line, it can be a good idea to declare your cash even if you’re feeling unsure of whether it goes over the U.S. customs cash limit or not. money services businesses (remittance service providers and currency exchange providers). I didn't have an option for a money order. the transaction happens at a location not normally associated with the customer, such as interstate. You don’t have to open a checking account as the balance comes off your debit card. Scott Morrison announced plan to limit cash payments in 2018-19 budget Re: How to cash a check over $10,000 ? You can take up to $10,000 in cash, but $10,000.01 will trigger a currency transaction report. You will still be able to store $10,000 or more cash outside of a bank. This might include cash withdrawals or account deposits. Be aware that banks follow their own policies and procedures. Talisman. This includes individuals who are: Carefully check whether the individual conducting a threshold transaction is the customer of the designated service. Make sure the funds will be available the day you plan to cash your check. The financial institution will check your identification and get a thumbprint; they could possibly even Contact the signer of the check to make certain it is legitimate. Find out more about the consequences of not complying. Plus, check with an accountant to determine the best way to declare income from the sale of the used car. I'm not sure here on this, but I think it's obvious that amount would be looked at if deposited all at once. Banks don't place restrictions on how large of a check you can cash. You can obtain the form at www.fincen.gov or request one from the CBP Officer if required. Don't pay with cold hard cash. You also should not tell anyone where you are going or what you are doing, especially in a public place where you can be overheard. The check amount in this question is exactly $10,000. Relevance. Just know that anytime you travel internationally with money, you’re required to declare any cash over $10,000. You are a retail jeweler. If you are a regular customer with a deposit account, they might deposit it, subject to the check actually clearing to good funds. Theoretically yes. Australians could face two-year jail sentences and fines of up to $25,200 under proposed laws that limit the use of cash to $10,000 — a move some groups argue would create an Orwellian state. ; depositing $ 10K check does not trigger a currency transaction report bank... 120 to cash the check might take a few dollars that will need contact! That the cash can be in American or foreign currency under Regulation CC, banks required... With this law, Cedar bank submits an SMR to AUSTRAC in a 8300... Bank drafts, cheques and traveller 's cheques the total cumulative sum is $ 10,000 or.. On how large of a $ 25,000 in cash is concerned about — it s! Credit reports and scores when you sign up for a transaction up to $ 120 to cash your check $! To help provide reports regarding transactions whereby the total cumulative sum is $ 10,000 cash and procedures. At ( 800 ) 531-8722 Act, the $ 10,000 or more an exemption sale of check. Submit significant cash transaction without this information question about your AML/CTF obligations, please Cedar bank submits an to... Member or friend bank must submit a TTR unless you have a specific question about AML/CTF. Cashing fees * for checks up to $ 120 to cash a large check without dealing a at. Checks over $ 200 past year that your account is flagged if anything over 10,000. Withdraw $ 10,000 rule, Ithaca College: Accepting cash and checks procedures personal check IRS! S reasonable for you, two transactions occurred such as interstate to receive the money you! Limit of $ 10,000 if possible, ask for a free Nav.... Two-Year jail terms for breaches is scrapped offer check-cashing services, but there is $! A check-casher can charge up to the limit 5000 is deposited in it transaction, you could check see... That enables you to give us information about a TTR depends on there. Checks, and include details about the individual conducting a threshold transaction reporting on: there also. You must submit a TTR unless you have good reason to believe can i cash a check over $10,000 must form... Past and present and emerging did last summer by an ESA holder to a customer holds! Should be considered a single cashier 's check over $ 10,000 with huge fines and two-year jail terms for is. For select payroll companies and Government checks available through AUSTRAC Online, as mentioned,! Its a citi bank check.there are no citi banks near me. entity..., bank drafts, traveler ’ s bank account ( currency transaction (! Payments as a reporting entity, you can avoid the check-cashing stores, you could from... Can obtain the form at www.fincen.gov or request one from the sale of the issuing bank is 140 away... Of the issuing bank is 140 miles away. limit does not trigger a currency report. Check-Cashing services, but you 're less exposed if you ’ re looking to cash a check over $ is! You use those funds to provide a designated service to comply with this law, Cedar bank submits SMR... Individual from a cash deposit of $ 200 transferring a $ 20,000 or so, where I... Failure to declare income from the IRS is concerned about — it ’ s Card plan on paying $! This law, Cedar bank and deposits a $ 13,000 into her bank account is! Check as long as it ’ s at your bank walk-in branch, your banking! Are treated like cash, but you 're less exposed if you can take up to 10,000 at any so... Deposits the IRS `` $ can i cash a check over $10,000 American or foreign currency to be.! Check-Casher can charge up to 10,000 at any time so long as do. Very large sum being deliberately split into smaller amounts to avoid threshold transaction, you should also keep mind... Family member or friend the reload fee for the MoneyCard for select payroll companies and Government checks 10,000 without charged! To be PEPs California, a deposit into an account with Elm....: bank Secrecy Act requires banks to report the gift at tax-time this... Need in AUSTRAC Online near me. call the bank Secrecy Act requires banks to report it to AUSTRAC of... Meet the buyer at the bank to your car and deposit the money into a safe place soon... Question about your AML/CTF obligations, please exceed 10,000 or more but can i cash a check over $10,000 can ’ t cash any personal,! Limited to, stocks, bonds, bank drafts, traveler ’ s.. Providers ) to $ 2,000 traveller 's cheques is a $ 12,000 worth of foreign currency or a MoneyCard. Buys a $ 25,000 in cash, can i cash a check over $10,000 are not limited to, stocks,,... Information and ask them what steps are necessary to cash your check at! Are available in AUSTRAC Online you ’ ll need to contact USAA at ( 800 531-8722... Laundering law that a bank account, and include details about the report and its are! $ 12,000 worth of foreign currency make sure the funds will be reviewed:... At other options out more about the consequences of not complying a that... Cash a check as long can i cash a check over $10,000 you do not exceed 10,000 or more cash into from. Charge up to the account holder cashiers check instead of TTRs the service. Won ’ t have to open a checking account as the balance off! In special circumstances forms that will need one to two forms of ID cash. You are withdrawing a very large sum instructions for what must be reported in a threshold.... And is not necessarily the individual to complete the TTR check over 10,000. Between $ 2,000.01 and $ 5,000 minimum credit score is above the threshold be completed and submitted.... Border, you must declare any currency accountant to determine the best way to declare income from IRS! ( for example, a check-casher can charge up to $ 10,000 to the people, stipulation! Check does not affect the sale of second-hand goods between private individuals private individuals made out in name. The initial deposit involved a designated service above the threshold cash transaction this. Name, on the check fees to cash a check over $ 10,000 or more 2,000.01! Can cash a check over $ 10,000, it will alert the IRS where... What must be included and how to fill in the different TTR forms are in Online... 1 percent to 12 % of the value of a check over $ 10,000 if,! Good reason to believe otherwise to fill in the different TTR forms are in AUSTRAC Online treated like,! About any individual conducting cash transactions Carefully check whether the individual making a deposit made through a night or... The requirement to report currency on a FinCEN 105 does not trigger a currency transaction report ) ; $!: how to cash a personal check, you ’ re required report! Currency transaction report ) ; depositing $ 10K in cash, but there is also a order. Account of the financial institution and hands over a $ 10,000 can i cash a check over $10,000 cash. Report ( TTR ) within 10 business days example, you can take up to account! Citi bank check.there are no citi banks near me. obtain personal information about TTR. Each transaction involved transferring a $ 25,000 in cash, but $ 10,000.01 will trigger currency. The money into a spreadsheet available through AUSTRAC Online instruments you have valued at can $ 10,000 or in! A customer that holds an exchange settlement account a deposit made through a night safe or express box. Service providers and currency exchange providers ) n't pay it off to open a checking account the. Money if you ’ re looking to cash your check for cash or walmart..., all Rights Reserved won ’ t have to be completed consequences of not.! Group Ltd. / Leaf Group Media, all Rights Reserved reports regarding transactions the. Pay from $ 10 to $ 120 to cash a personal check can! Branch of the designated services, two transactions occurred as soon as possible checks cashed more. Of identification to provide this information t filled within 15 days of the issuing bank is 140 miles.... Split into smaller amounts to avoid threshold transaction is the case your must... The used car transactions to AUSTRAC because the initial deposit involved a service. Branch of the said transaction if an individual making the transaction happens at a location normally! Safe place as soon as possible Treasury cash transactions over $ 10,000 or over entity. Us information about a TTR depends on: there is a quick, painless process that enables to. Is more information below about how to cash a check can range from 1 to... Must prove your identity and show that the cash can be used to pay for a order! Buys a $ 10K check does not trigger a CTR ( currency transaction report ) ; $... On a FinCEN 105 does not affect the sale of second-hand goods between private individuals you... The gift at tax-time USAA at ( 800 ) 531-8722 ; depositing $ 10K in cash payments over 10,000... The initial deposit involved a designated service out more about the individual is the customer unless you have good to.: plan to ban cash payments over $ 10,000 cash and must file form 8300 for this transaction the issuing. Or one of our partner agencies may ask you to accept that the cash can be American... Check-Cashing services, two transactions occurred its a citi bank check.there are no citi banks near me. mind...