The loss of funds in bank accounts is often caused by a third party, and neither the bank nor the customer may know it, so it is difficult to accurately know the specific operation process of the third party.

According to the Provisions of the Supreme People's Court on Several Issues Concerning Evidence in Civil Proceedings, when the truth cannot be ascertained, the party with the burden of proof will bear the adverse consequences. Generally speaking, information about transactions can be reflected in the banking system. The bank must first provide evidence to prove the transaction information, so as to prove that the payment or transfer of funds in the account conforms to the bank's standard process. If you can't provide relevant evidence, you must bear the responsibility of inadequate proof, that is, the bank has not fulfilled its obligation to protect the safety of customers' funds. If the bank has proved that the payment or transfer of funds in the account conforms to the bank's standard process, the burden of proof will be transferred, and the customer should bear the burden of proof for the bank's failure to fulfill relevant obligations or the inherent risks of the banking system. If there is no proof, the customer should bear the burden of proof, and then determine that the bank has not breached the contract, and the customer should bear the corresponding losses.