Wash. Rev. Code » Title 30A · Chapter 30A.22
Revised Code of Washington

Wash. Rev. Code § 30A.22.090 (2026)

Ownership of funds during lifetime of depositor

✓ current as of May 2026
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Subject to community property rights, during the lifetime of a depositor, or the joint lifetimes of depositors:
(1) Funds on deposit in a single account belong to the depositor.
(2) Funds on deposit in a joint account without right of survivorship and in a joint account with right of survivorship belong to the depositors in proportion to the net funds owned by each depositor on deposit in the account, unless the contract of deposit provides otherwise or there is clear and convincing evidence of a contrary intent at the time the account was created.
(3) Funds on deposit in a trust or P.O.D. account belong to the depositor and not to the trust or P.O.D. account beneficiary or beneficiaries; if two or more depositors are named on the trust or P.O.D. account, their rights of ownership to the funds on deposit in the account are governed by subsection (2) of this section.
(4) Ownership of funds on deposit in an agency account shall be determined in accordance with subsections (1), (2), and (3) of this section depending upon whether the principal is a depositor on a single account, joint account, joint account with right of survivorship, or trust or P.O.D. account.
[ 1981 c 192 s 9. Formerly RCW 30.22.090.]
Notes of Decisions
Cited in 6 cases (4 in the last 5 years), 2015–2025 · leading case: Ellis v. Mirghanbari (In re Pittman), 540 B.R. 451 (Bankr. W.D. Wash. 2015).
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Ellis v. Mirghanbari (In re Pittman), 540 B.R. 451 (Bankr. W.D. Wash. 2015). · cites it 14× “RCW 30A.22.090 2 is captioned “Ownership of funds during lifetime of depositor.”
Wells Fargo Bank NA v. Cadena (W.D. Wash. 2024). · cites it 2× “Wash. Rev. Code § 30A.22.090(1) (“Funds on deposit in a single 24 account belong to the depositor.”
State Of Washington v. Helen M. Dahll (Wash. Ct. App. 2021). “46 Helen relies upon a BECU Master Enrollment and Member Agreement governing her and John’s joint accounts to argue she had a good faith belief in her right to John’s money.”
Alina Farooq v. Azeem Khan (Wash. Ct. App. 2021). “Farooq relies on RCW 30A.22.090(2), a provision of the Financial Institution Individual Account Deposit Act, which provides that funds deposited in a joint account, “belong to the depositors in proportion to the net funds owned by each depositor on deposit in the account.”
In Re The Matter Of The John E. Thompson & Darleen P. Thompson Living Trust (Wash. Ct. App. 2025). “Garcia also argued in her trial brief that under RCW 30A.22.090, a rebuttable presumption exists that the funds are owned by her.”
State Of Washington v. Juliana Cratsenberg (Wash. Ct. App. 2015). “090 as RCW 30A.22.090 (Laws of 2015, ch. 37, § 4).”
— Wash. Rev. Code § 30A.22.090(1) — 2 cases
Ellis v. Mirghanbari (In re Pittman), 540 B.R. 451 (Bankr. W.D. Wash. 2015). “RCW 30A.22.090 2 is captioned “Ownership of funds during lifetime of depositor.”
Wells Fargo Bank NA v. Cadena (W.D. Wash. 2024). “Wash. Rev. Code § 30A.22.090(1) (“Funds on deposit in a single 24 account belong to the depositor.”
— Wash. Rev. Code § 30A.22.090(2) — 3 cases
State Of Washington v. Helen M. Dahll (Wash. Ct. App. 2021). “46 Helen relies upon a BECU Master Enrollment and Member Agreement governing her and John’s joint accounts to argue she had a good faith belief in her right to John’s money.”
Alina Farooq v. Azeem Khan (Wash. Ct. App. 2021). “Farooq relies on RCW 30A.22.090(2), a provision of the Financial Institution Individual Account Deposit Act, which provides that funds deposited in a joint account, “belong to the depositors in proportion to the net funds owned by each depositor on deposit in the account.”
Ellis v. Mirghanbari (In re Pittman), 540 B.R. 451 (Bankr. W.D. Wash. 2015). “RCW 30A.22.090 2 is captioned “Ownership of funds during lifetime of depositor.”
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