Utah Code § 7-28-108: When creditor process enforceable against bank.

(1) Subject to Subsection (2), creditor process with respect to a special deposit is not enforceable against the bank holding the special deposit.

(2) Creditor process is enforceable against the bank holding a special deposit with respect to an amount the bank is obligated to pay a beneficiary or a depositor if the process:

(a) is served on the bank;

(b) provides sufficient information to permit the bank to identify the depositor or the beneficiary from the bank's books and records; and

(c) gives the bank a reasonable opportunity to act on the process.

(3)

(a) Creditor process served on a bank before the creditor process is enforceable against the bank under Subsection (2) does not create a right of the creditor against the bank or a duty of the bank to the creditor.

(b) Other law determines whether creditor process creates a lien enforceable against the beneficiary on a contingent interest of a beneficiary, including a depositor as a beneficiary, even if not enforceable against the bank.