Devsfan's answer is absolutely correct, but it doesn't answer your unasked question: If the same deposits in your scenarios were not made by the same individual, what would you do?
If the two businesses are entities (not sole proprietorships owned by the same individual), and they are independently operated, you don't combine the deposits of entity one with the deposits of entity two, regardless of the fact that they have common ownership.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8