GORDON, Vice Chief Justice:
Petitioner brings this special action challenging the order of the respondent trial judge denying its motion for judgment against garnishee-defendant. We accepted jurisdiction under Ariz. Const. art. 6 § 5 because petitioner has no equally plain, speedy, and adequate remedy by appeal. One issue is presented: where a joint bank account is being subjected to garnishment based on a judgment against only one of the joint owners, must the other non-debtor joint owner who is joined in the garnishment proceeding pursuant to A.R.S. § 12-1595(C)
Mervyn's Inc. obtained a judgment against Sandra L. Huston for $341.54. About one month later, a Writ of Garnishment was issued to Valley National Bank (garnishee-bank) where she had an account. The garnishee-bank answered that it had a joint account in the name of Kenneth E. Huston or Sandra L. Huston containing funds sufficient to cover the garnishment. There was no judgment in favor of Mervyn's against Kenneth Huston, and, therefore, Mervyn's moved to join him as a party defendant pursuant to A.R.S. § 12-1595(C), which requires that "the court join all persons who appear to have an interest in the bank account in addition to the defendant as reflected by the answer of the garnishee * * *" The court granted Mervyn's motion. Accordingly, Mervyn's attempted to serve Kenneth Huston personally with the order of joinder but was unable to effectuate such service. Mervyn's, therefore, attempted to give notice to Kenneth Huston by service by publication pursuant to Rule 4(e)(1), Ariz.R.Civ.P., 16 A.R.S. After this service had been completed, however, the court refused to sign the judgment against the garnishee bank because the order joining Kenneth Huston was never personally served upon him.
To determine the service required to join a party defendant who may have an interest in a garnished bank account, we first look to the garnishment statute concerning the garnishment of joint bank accounts, namely, A.R.S. § 12-1595. Since garnishment is a creature of statute, any service prescribed by the statute must be strictly followed. See State v. Allred, 102 Ariz. 102, 425 P.2d 572 (1967); Patrick v. Associated Drygoods Corp., 20 Ariz.App. 6, 509 P.2d 1043 (1973). The relevant parts of § 12-1595 read:
Subsection C of § 12-1595 requires the court to join all persons who have an ownership interest in a joint bank account. Subsection C, however, does not specify any particular mode of service required to join such interested parties.
As there is no method of service specified in the statute, we next look to the rules relating to service in our Rules of Civil Procedure. Rule 4(e)(1), Ariz.R. Civ.P., 16 A.R.S., specifies the modes of service permitted when defendant is absent from the state or his residence is unknown.
This rule authorizes service by publication under rule 4(e)(3) upon a defendant whose residence is unknown. Rule 4(e)(3) provides:
As stated by the rule, service by publication is permitted if personal service is not required by law.
It is beyond question that any procedure which deprives an individual of a property interest must satisfy due process. Mathews v. Eldridge, 424 U.S. 319, 96 S.Ct. 893, 47 L.Ed.2d 18 (1976); Bell v. Burson, 402 U.S. 535, 91 S.Ct. 1586, 29 L.Ed.2d 90 (1971). Due process of law sets minimum notice requirements depending on the situation of the owner or interested party. Mullane v. Central Hanover Bank & Trust Co., 339 U.S. 306, 70 S.Ct. 652, 94 L.Ed. 865 (1950); Milliken v. Meyer, 311 U.S. 457, 61 S.Ct. 339, 85 L.Ed. 278 (1940). In Arizona, where the action is to obtain a money judgment against a defendant, traditionally termed an in personam judgment, personal service is required.
In this state, garnishment proceedings have long been described as quasi in rem. First Nat'l Bank & Trust Co. v. Pomona Machinery Co., 107 Ariz. 286, 486 P.2d 184 (1971); see Hook v. Hoffman, 16 Ariz. 540, 147 P. 722 (1915). Hook recognizes that where the ownership of property is the subject of the proceedings, such proceedings are in rem or quasi in rem:
16 Ariz. at 557, 147 P. at 729.
In the case at bar, the proceeding will determine the respective ownership interest of the joint owners, Sandra and Kenneth Huston, in the joint bank account. The proceeding will not result in a judgment personally against Kenneth Huston. Thus, we find this proceeding to be a quasi in rem proceeding. Service by publication is permitted by law to serve a party defendant joined under A.R.S. § 12-1595.
The trial court relied on Price v. Sunmaster, 27 Ariz.App. 771, 558 P.2d 966 (1976), for its conclusion that "service by publication is insufficient to give [Kenneth Huston] notice and an opportunity to be heard." Price, however, is distinguishable from the instant case. In Price the court held that because the complaint failed to state a claim for a lien foreclosure, it merely stated a claim for money owed to plaintiffs for labor and materials. Thus plaintiff's action sought recovery of a money judgment, a personal judgment, which was an in personam action. Since plaintiff's action in Price was in personam, attempted service by publication was insufficient. Wells v. Valley Nat'l Bank, supra. Consequently, Price represents no bar to service by publication in quasi in rem cases.
The conclusion reached by the trial court that the service by publication was improper under A.R.S. § 12-1595 was incorrect. If due process does not require a more reliable means, service by publication is permitted to join interested parties under § 12-1595(C).
Prayer for relief granted in part.
HOLOHAN, C.J., and HAYS, CAMERON and FELDMAN, JJ., concur.