Laurie with her own funds in the amount of $90,000 opened a non interest bearing joint checking bank account with right of survivorship for herself and her sister, Tori, in 2009. Tori did not deposit any funds in the account, and neither Laurie nor Tori withdrew money from the account in 2009. In 2010, Tori withdrew $45,000 from the account. Laurie passed away.