Choose two true statements about the relationship between a depositor and a drawee or payor bank as established by a deposit agreement:
When a person _______ and when a person _______. (choose two correct answers)
A. Deposits money in an account at a bank, he or she is a creditor of the bank to the extent of his or her deposits.
B. Deposits money in an account at a bank, he or she is a debtor of the bank to the extent of his or her deposits.
C. Deposits money in an account at a bank, the law considers him or her the owner of the money.
D. Deposits money in an account at a bank, the law no longer considers him or her the owner of the money.