egardless of whether it is a savings account, checking account or money market account, lenders see bank accounts as highly liquid assets.

New deposits
Money hidden under your mattress and recent large deposits can only be used for a down payment, if you can document where you got the money.
If the deposit is a family gift intended for the down payment be sure to get a "gift letter" documenting it.
The lender's fear is that this large sum of money that magically appeared did not come from a legal source. If the house is purchased with illegal money, the government can take the house and the lender is out of luck. Most lenders are insured against such things, but they still try to avoid laundering money.

Joint accounts
If you have a joint account with your spouse, you can count the entire balance as an asset. A joint account with any other person, even if they are buying the house with you, can only be counted as an asset if you get a letter stating that you have access to the full amount from the other holder of the account.

CDs
If you close a certificate of deposit account (CD) before it matures, you will be charged a penalty. Often, this will mean that any accrued interest will be lost.

This is not the end of the world if you just opened the account, but if it's two months from maturity, you might want to reconsider cashing it in.