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| "Bank deposits" include any savings, checking, term deposit ("CD") or other account of any kind in any financial institution. Money that is held jointly with another in a bank is treated as if all of it belongs to the applicant or his or her spouse, including money that has been set up as a trust account for someone else. The burden is on the applicant to prove that any funds in a joint account were not his or hers before they were put into the account. | ||