Utah Code § 7-28-107

Property interest of depositor or beneficiary
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(1) Neither a depositor nor a beneficiary has a property interest in a special deposit.
(2)
(a) Any property interest with respect to a special deposit is only in the right to receive payment if
the bank is obligated to pay a beneficiary and not in the special deposit itself.
(b) Any property interest under this Subsection (2) is determined under other law.

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