When funds are deposited to a customer's credit in a financial institution account, the institution becomes indebted to the customer and the customer acquires choses in action against the institution — not the reverse. A financial institution does not acquire choses in action in sums standing to a customer's credit merely because the customer may have obtained those funds dishonestly. Prosecutors charging theft of choses in action must identify with particularity the choses in action allegedly stolen, the acts constituting the theft, and how those acts usurped or interfered with the owner's rights.
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