How bad and what usually happens when a bank has a SAR or CTR is against you?

A SAR 
 
Is a report of suspicious activity that occurs at any time to anyone who offers money suspected of suspicious activities. No big deal.  

The CTR 

Is a report on foreign exchange transactions will only appear if you have transactions totaling more than 10,000.00 in a short period of time. In addition, not as big of a deal, its main purpose is to prevent money laundering and ensure taxes are paid on the money.


The "Suspicious Activity Report"  

Is presented each time a financial institution detects any known or suspected federal criminal violation, or pattern of criminal violations, committed or attempted against the financial institution or in connection with a transaction or transactions through the financial institution where the financial institution believes that it was either a victim or potential victim of a criminal violation or series of criminal violations, or the financial institution was used to facilitate a criminal transaction, and has a substantial base to identify one of its directors, officers, employees, agents or other related parties, an institution that has committed or assisted in the commission of a crime, regardless of the amount involved in the violation.

The report goes to the Financial Crimes Enforcement Network (FinCEN), Department of the Treasury through the IRS Detroit Computing Center. The reports are made available electronically to law enforcement agencies.