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

Wash. Rev. Code § 30A.22.100 (2026)

Ownership of funds after death of a depositor

✓ current as of May 2026
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Subject to community property rights and subject to the terms and provisions of any community property agreement, upon the death of a depositor:
(1) Funds which remain on deposit in a single account belong to the depositor's estate.
(2) Funds belonging to a deceased depositor which remain on deposit in a joint account without right of survivorship belong to the depositor's estate, unless the depositor has also designated a trust or P.O.D. account beneficiary of the depositor's interest in the account.
(3) Funds belonging to a deceased depositor which remain on deposit in a joint account with right of survivorship belong to the surviving depositors unless there is clear and convincing evidence of a contrary intent at the time the account was created. If there is more than one individual having right of survivorship, the funds belong equally to the surviving depositors unless the contract of deposit otherwise provides. If there is more than one surviving depositor, the rights of survivorship shall continue between the surviving depositors.
(4) Funds remaining on deposit in a trust or P.O.D. account belong to the trust or P.O.D. account beneficiary designated by the deceased depositor unless the account has also been designated as a joint account with right of survivorship, in which event the funds remaining on deposit in the account do not belong to the trust or P.O.D. account beneficiary until the death of the last surviving depositor and the rights of the surviving depositors shall be determined by subsection (3) of this section. If the deceased depositor has designated more than one trust or P.O.D. account beneficiary, and more than one of the beneficiaries survive the depositor, the funds belong equally to the surviving beneficiaries unless the depositor has specifically designated a different method of distribution in the contract of deposit; if two or more beneficiaries survive, there is no right of survivorship as between them unless the terms of the account or deposit agreement expressly provide for rights of survivorship between the beneficiaries.
(5) Upon the death of a depositor of an agency account, the agency shall terminate and any funds remaining on deposit belonging to the deceased depositor shall become the property of the depositor's estate or such other persons who may be entitled thereto, depending upon whether the account was a single account, joint account, joint account with right of survivorship, or a trust or P.O.D. account.
Any transfers to surviving depositors or to trust or P.O.D. account beneficiaries pursuant to the terms of this section are declared to be effective by reason of the provisions of the account contracts involved and this chapter and are not to be considered as testamentary dispositions. The rights of survivorship and of trust and P.O.D. account beneficiaries arise from the express terms of the contract of deposit and cannot, under any circumstances, be changed by the will of a depositor.
[ 1981 c 192 s 10. Formerly RCW 30.22.100.]
Notes of Decisions
Cited in 5 cases (1 in the last 5 years), 2016–2025 · leading case: In Re The Matter Of The John E. Thompson & Darleen P. Thompson Living Trust (Wash. Ct. App. 2025).
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In Re The Matter Of The John E. Thompson & Darleen P. Thompson Living Trust (Wash. Ct. App. 2025). · cites it 9× “The children later amended their complaint, naming themselves in their individual capacities and bringing a claim under RCW 30A.22.100. The trial court ruled in favor of Garcia on the initial TEDRA claims, but held the BECU accounts belonged to the Thompsons’ children and…”
In Re The Est. Of Myurlin J. Eussen, Jeffrey Eussen, V Janice Parker (Wash. Ct. App. 2018). · cites it 3× “RCW 30A.22.100(3) provides that funds belonging to a deceased bank depositor in a joint account with “right of survivorship” generally belong to the surviving depositors.”
In Re The Est. Of Lillian Cora Johnson. Marion Joss v. Michelle Campbell (Wash. Ct. App. 2018). · cites it 3× “22.050; RCW 30A.22.100(4). When an owner of a JTVVROS account dies, the funds pass to any surviving co-owners or, if these have all died, to the P.”
In Re The Est. Of Robert Ridley (Wash. Ct. App. 2016). “RCW 30A.22.100, RCW 30A.22.160. The undisputed evidence demonstrated that the funds in dispute were paid to Suy pursuant to the POD designation.”
Est. Of: Berthold R. Forderer & Emilie L. Forderer, Alex Forderer (Wash. Ct. App. 2020). “14 in Estate funds by taking the Key Bank accounts for himself upon Emilie’s death, funds that should have gone to the Estate under RCW 30A.22.100; (5) Alex acted improperly in connection with his actions regarding the insurance claims he filed on Emilie’s behalf and the $26,331.”
— Wash. Rev. Code § 30A.22.100(3) — 3 cases
In Re The Est. Of Myurlin J. Eussen, Jeffrey Eussen, V Janice Parker (Wash. Ct. App. 2018). “RCW 30A.22.100(3) provides that funds belonging to a deceased bank depositor in a joint account with “right of survivorship” generally belong to the surviving depositors.”
In Re The Matter Of The John E. Thompson & Darleen P. Thompson Living Trust (Wash. Ct. App. 2025). “The children later amended their complaint, naming themselves in their individual capacities and bringing a claim under RCW 30A.22.100. The trial court ruled in favor of Garcia on the initial TEDRA claims, but held the BECU accounts belonged to the Thompsons’ children and…”
In Re The Est. Of Lillian Cora Johnson. Marion Joss v. Michelle Campbell (Wash. Ct. App. 2018). “22.050; RCW 30A.22.100(4). When an owner of a JTVVROS account dies, the funds pass to any surviving co-owners or, if these have all died, to the P.”
— Wash. Rev. Code § 30A.22.100(4) — 1 case
In Re The Est. Of Lillian Cora Johnson. Marion Joss v. Michelle Campbell (Wash. Ct. App. 2018). “22.050; RCW 30A.22.100(4). When an owner of a JTVVROS account dies, the funds pass to any surviving co-owners or, if these have all died, to the P.”
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