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sets forth the joint account holders’ respective owner-
ship rights to the funds deposited in the account.
Consistent with this statute, and as stipulated in this
case, Floy Christensen was at all times the owner of
all of the funds in the joint account.
Wash. Rev. Code � 30.22.130 preserves Floy
Christensen’s ownership rights to the funds in the
joint account, notwithstanding that a financial insti-
tution properly made payment of the funds to her chil-
dren as joint account holders. * * *
We find the estate’s reliance on certain statutory provi-
sions of the laws of the State of Washington to support its
position that the transfers of funds represented by the November
1995 checks and the January 1996 checks constitute gifts made by
decedent to be misplaced. None of those provisions, which are
part of the Financial Institution Individual Account Deposit Act
(Act), see Wash. Rev. Code Ann. ch. 30.22 (West 1986),3 grants
authority to a person named on a joint bank account who does not
own the funds in such an account to make a gift of all or a
portion of those funds on behalf of the actual owner of those
funds.
As the estate accurately indicates, Wash. Rev. Code Ann.
sec. 30.22.050 (West 1986) provides for the creation of joint
bank accounts, and Wash. Rev. Code Ann. sec. 30.22.090(2) (West
1986) provides that funds on deposit in a joint account belong to
3All references to the Revised Code of Washington Annotated
are to that Code in effect on the date of decedent’s death and on
the various dates on which the November 1995 checks and the
January 1996 checks were written and subsequently paid by
Seafirst Bank.
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