reglab/housing_qa huggingface dataset:
WA Rev Code § 30A.22.070 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.070 - Accounts of minors and incompetents.

RCW 30A.22.070 Accounts of minors and incompetents.A minor or incompetent may enter into a valid and enforceable contract of deposit with the financial institution and any account in the name of a minor or incompetent shall, in the absence of clear and convincing evidence of a different intention at the time it is created, be held for the exclusive right and benefit of the minor or incompetent free from the control of all other persons.[ 1981 c 192 § 7. Formerly RCW 30.22.070.]
WA Rev Code § 30A.22.080 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.080 - Accounts of married persons.

RCW 30A.22.080 Accounts of married persons.A financial institution may enter into a contract of deposit without regard to whether the depositor is married and without regard as to whether the funds on deposit are the community or separate property of the depositor.[ 1981 c 192 § 8. Formerly RCW 30.22.080.]
WA Rev Code § 30A.22.090 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.090 - Ownership of funds during lifetime of depositor.

RCW 30A.22.090 Ownership of funds during lifetime of depositor.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 § 9. Formerly RCW 30.22.090.]
WA Rev Code § 30A.22.110 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.110 - Controversies between owners.

RCW 30A.22.110 Controversies between owners.*RCW 30.22.090 and 30.22.100 are intended to establish ownership of funds on deposit in the accounts stated, as between depositors and/or trust or P.O.D. account beneficiaries, and the provisions thereof are relevant only as to controversies between such persons and their creditors, and other successors, and have no bearing on the power of any person to receive payment of funds maintained in the accounts or the right of a financial institution to make payments to any person as provided by the terms of the contract of deposit.[ 1981 c 192 § 11. Formerly RCW 30.22.110.]NOTES:*Reviser's note: RCW 30.22.090 and 30.22.100 were recodified as RCW 30A.22.090 and 30A.22.100, respectively, pursuant to 2014 c 37 § 4, effective January 5, 2015.
WA Rev Code § 30A.22.120 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.120 - Right to rely on form of account—Discharge of financial institutions.

RCW 30A.22.120 Right to rely on form of account—Discharge of financial institutions.In making payments of funds deposited in an account, a financial institution may rely conclusively and entirely upon the form of the account and the terms of the contract of deposit at the time the payments are made. A financial institution is not required to inquire as to either the source or the ownership of any funds received for deposit to an account, or to the proposed application of any payments made from an account. Unless a financial institution has actual knowledge of the existence of dispute between depositors, beneficiaries, or other persons claiming an interest in funds deposited in an account, all payments made by a financial institution from an account at the request of any depositor to the account and/or the agent of any depositor to the account in accordance with this section and RCW 30A.22.140, 30A.22.150, 30A.22.160, 30A.22.170, 30A.22.180, 30A.22.190, 30A.22.200, and 30A.22.220 shall constitute a complete release and discharge of the financial institution from all claims for the amounts so paid regardless of whether or not the payment is consistent with the actual ownership of the funds deposited in an account by a depositor and/or the actual ownership of the funds as between depositors and/or the beneficiaries of P.O.D. and trust accounts, and/or their heirs, successors, personal representatives, and assigns.[ 2014 c 37 § 196; 1981 c 192 § 12. Formerly RCW 30.22.120.]
WA Rev Code § 30A.22.130 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.130 - Rights as between individuals preserved.

RCW 30A.22.130 Rights as between individuals preserved.The protection accorded to financial institutions under RCW 30A.22.120, 30A.22.140, 30A.22.150, 30A.22.160, 30A.22.170, 30A.22.180, 30A.22.190, 30A.22.200, 30A.22.210, and 30A.22.220 shall have no bearing on the actual rights of ownership to deposited funds by a depositor, and/or between depositors, and/or by and between beneficiaries of trust and P.O.D. accounts, and their heirs, successors, personal representatives, and assigns.[ 2014 c 37 § 197; 1981 c 192 § 13. Formerly RCW 30.22.130.]
WA Rev Code § 30A.22.140 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.140 - Payment of funds to a depositor.

RCW 30A.22.140 Payment of funds to a depositor.Payments of funds on deposit in a single account may be made by a financial institution to or for the depositor regardless of whether the depositor is, in fact, the actual owner of the funds. Payments of funds on deposit in an account having two or more depositors may be made by a financial institution to or for any one or more of the depositors named on the account without regard to the actual ownership of the funds by or between the depositors, and without regard to whether any other depositor or depositors so named are deceased or incompetent at the time the payments are made.[ 1981 c 192 § 14. Formerly RCW 30.22.140.]
WA Rev Code § 30A.22.150 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.150 - Payment to minors and incompetents.

RCW 30A.22.150 Payment to minors and incompetents.Financial institutions may make payments of funds on deposit in an account established by a depositor who is a minor or incompetent without regard to whether it has actual knowledge of the minority or incompetency of the depositor unless the branch of the financial institution at which the account is maintained has received written notice to withhold payment to the minor or incompetent by the guardian of his or her estate and had a reasonable opportunity to act upon the notice.[ 2011 c 336 § 748; 1981 c 192 § 15. Formerly RCW 30.22.150.]
WA Rev Code § 30A.22.160 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.160 - Payment to trust and P.O.D. account beneficiaries.

RCW 30A.22.160 Payment to trust and P.O.D. account beneficiaries.Financial institutions may pay any funds remaining on deposit in an account to a trust or P.O.D. account beneficiary or beneficiaries when the financial institution has received proofs of death of all depositors to the account who pursuant to the terms of the contract of deposit were required to predecease the beneficiary. If there is more than one trust or P.O.D. account beneficiary, financial institutions shall not, unless the contract of deposit otherwise provides, pay to any one such beneficiary more than that amount which is obtained by dividing the total of the funds on deposit in the account by the number of trust or P.O.D. account beneficiaries.[ 1981 c 192 § 16. Formerly RCW 30.22.160.]
WA Rev Code § 30A.22.170 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.170 - Payment to agents of depositors.

RCW 30A.22.170 Payment to agents of depositors.Any funds on deposit in an account may be paid by a financial institution to or upon the order of any agent of any depositor. The contract of deposit or other document creating such agency may provide, in accordance with chapter 11.125 RCW, that any such agent's powers to receive payments and make withdrawals from an account continues in spite of, or arises by virtue of, the incompetency of a depositor, in which event the agent's powers to make payments and withdrawals from an account on behalf of a depositor is not affected by the incompetency of a depositor. Except as provided in this section, the authority of an agent to receive payments or make withdrawals from an account terminates with the death or incompetency of the agent's principal: PROVIDED, That a financial institution is not liable for any payment or withdrawal made to or by an agent for a deceased or incompetent depositor unless the financial institution making the payment or permitting the withdrawal had actual knowledge of the incompetency or death at the time payment was made.[ 2016 c 209 § 405; 1981 c 192 § 17. Formerly RCW 30.22.170.]NOTES:Short title—Application—Uniformity—Federal law application—Federal electronic signatures in global and national commerce act—Application—Dates—Effective date—2016 c 209: See RCW 11.125.010 and 11.125.900 through 11.125.903.
WA Rev Code § 30A.22.180 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.180 - Payment to personal representatives.

RCW 30A.22.180 Payment to personal representatives.Financial institutions may pay any funds remaining on deposit in an account which belongs to a deceased depositor to the personal representative of the depositor's estate under any of the following circumstances:(1) When the decedent was the depositor on a single account; or(2) When the decedent was a depositor on a joint account without right of survivorship or the only surviving depositor on a joint account with right of survivorship, and has not designated a trust or P.O.D. account beneficiary of the decedent's interest, and the financial institution has received the proofs of death necessary to establish the deaths of the other depositors named on the account; or(3) When the decedent was a beneficiary of a P.O.D. or trust account and the financial institution has received proofs of death of the beneficiary and all depositors to the account who, pursuant to the terms of the contract of deposit, were required to predecease the beneficiary; or(4) When consent to the payment has been given in writing by all depositors and beneficiaries of the account; or(5) When so ordered or directed by a superior court of the state or other court having jurisdiction over the matter.[ 1981 c 192 § 18. Formerly RCW 30.22.180.]
WA Rev Code § 30A.22.190 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.190 - Payment to heirs and creditors of a deceased depositor.

RCW 30A.22.190 Payment to heirs and creditors of a deceased depositor.In each case, where it is provided in RCW 30A.22.180 that a financial institution may make payment of funds deposited in an account to the personal representative of the estate of a deceased depositor or beneficiary, the financial institution may make payment of the funds to the following persons under the circumstances provided:(1) In those instances where the deceased depositor left a surviving spouse, and the deceased depositor and the surviving spouse shall have executed a community property agreement which by its terms would include funds of the deceased depositor remaining in the account, a financial institution may make payment of all funds in the name of the deceased spouse to the surviving spouse upon receipt of a certified copy of the community property agreement as recorded in the office of a county auditor of the state and an affidavit of the surviving spouse that the community property agreement was validly executed and in full force and effect upon the death of the depositor.(2) In those instances where the balance of the funds in the name of a deceased depositor does not exceed two thousand five hundred dollars, payment of the decedent's funds remaining in the account may be made to the surviving spouse, next of kin, funeral director, or other creditor who may appear to be entitled thereto upon receipt of proof of death and an affidavit to the effect that no personal representative has been appointed for the deceased depositor's estate. As a condition to the payment, a financial institution may require such waivers, indemnity, receipts, and acquittance and additional proofs as it may consider proper.(3) In those instances where the person entitled presents an affidavit which meets the requirements of chapter 11.62 RCW.A person receiving a payment from a financial institution pursuant to subsections (2) and (3) of this section is answerable and accountable therefor to any personal representative of the deceased depositor's estate wherever and whenever appointed.[ 2014 c 37 § 198; 1989 c 220 § 3; 1981 c 192 § 19. Formerly RCW 30.22.190.]
WA Rev Code § 30A.22.200 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.200 - Payment to foreign personal representative—Release of financial institution.

RCW 30A.22.200 Payment to foreign personal representative—Release of financial institution.In each case where it is provided in this chapter that payment may be made to the personal representative of the estate of a deceased depositor or trust or P.O.D. account beneficiary, financial institutions may make payment of the funds on deposit in a deceased depositor's or beneficiary's account to the personal representative of the decedent's estate appointed under the laws of any other state or territory or country after:(1) At least sixty days have elapsed since the date of the deceased depositor's death; and(2) Upon receipt of the following:(a) Proof of death of the deceased depositor or beneficiary;(b) Proof of the appointment and continuing authority of the personal representative requesting payment;(c) The personal representative's, or its agent's, affidavit to the effect that to the best of his or her knowledge no personal representative has been or will be appointed under the laws of this state; and(d) Receipt of either an estate tax release from the department of revenue or the personal representative's, or its agent's, affidavit that the estate is not subject to Washington estate tax. However, if a personal representative of the deceased depositor's or beneficiary's estate is appointed and qualified as such under the laws of this state, and delivers proof of the appointment and qualification to the office or branch of the financial institution in which the deposit is maintained prior to the transmissions of the sums on deposit to the foreign personal representative, then the funds shall be paid to the personal representative of the deceased depositor's or beneficiary's estate who has been appointed and qualified in this state.(3) The financial institution paying, delivering, transferring, or issuing funds on deposit in a deceased depositor's or beneficiary's account in accordance with the provisions of this section is discharged and released to the same extent as if such person has dealt with a personal representative of the decedent, unless at the time of such payment, delivery, transfer, or issuance such institution had actual knowledge of the falsity of any statement or affidavit required to be provided under this section. Such institution is not required to see to the application of funds, or to inquire into the truth of any matter specified in any statement or affidavit required to be provided under this section.[ 1988 c 29 § 9; 1981 c 192 § 20. Formerly RCW 30.22.200.]
WA Rev Code § 30A.22.210 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.210 - Authority to withhold payment—Vulnerable adults.

RCW 30A.22.210 Authority to withhold payment—Vulnerable adults.(1) Nothing contained in this chapter shall be deemed to require any financial institution to make any payment from an account to a depositor, or any trust or P.O.D. account beneficiary, or any other person claiming an interest in any funds deposited in the account, if the financial institution has actual knowledge of the existence of a dispute between the depositors, beneficiaries, or other persons concerning their respective rights of ownerships to the funds contained in, or proposed to be withdrawn, or previously withdrawn from the account, or in the event the financial institution is otherwise uncertain as to who is entitled to the funds pursuant to the contract of deposit. In any such case, the financial institution may, without liability, notify, in writing, all depositors, beneficiaries, or other persons claiming an interest in the account of either its uncertainty as to who is entitled to the distributions or the existence of any dispute, and may also, without liability, refuse to disburse any funds contained in the account to any depositor, and/or trust or P.O.D. account beneficiary thereof, and/or other persons claiming an interest therein, until such time as either:(a) All such depositors and/or beneficiaries have consented, in writing, to the requested payment; or(b) The payment is authorized or directed by a court of proper jurisdiction.(2) If a financial institution reasonably believes that financial exploitation of a vulnerable adult, as defined in RCW 74.34.020, may have occurred, may have been attempted, or is being attempted, the financial institution may refuse a transaction as permitted under RCW 74.34.215.[ 2010 c 133 § 1; 1981 c 192 § 21. Formerly RCW 30.22.210.]
WA Rev Code § 30A.22.220 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.220 - Adverse claim bond.

RCW 30A.22.220 Adverse claim bond.Notwithstanding RCW 30A.22.210, a financial institution may, without liability, pay or permit withdrawal of any funds on deposit in an account to a depositor and/or agent of a depositor and/or trust or P.O.D. account beneficiary, and/or other person claiming an interest therein, even when the financial institution has actual knowledge of the existence of the dispute, if the adverse claimant shall execute to the financial institution, in form and with security acceptable to it, a bond in an amount which is double either the amount of the deposit or the adverse claim, whichever is the lesser, indemnifying the financial institution from any and all liability, loss, damage, costs, and expenses, for and on account of the payment of the adverse claim or the dishonor of the check or other order of the person in whose name the deposit stands on the books of the financial institution: PROVIDED, That where the person in whose name the deposit stands is a fiduciary for the adverse claimant, and the facts constituting such relationship, and also the facts showing reasonable cause of belief on the part of the claimant that the fiduciary is about to misappropriate the deposit, are made to appear by the affidavit of the claimant, the financial institution shall, without liability, refuse to deliver the property for a period of not more than five business days from the date that the financial institution receives the adverse claimant's affidavit, without liability for the sufficiency or truth of the facts alleged in the affidavit, after which time the claim shall be treated as any other claim under this section.[ 2014 c 37 § 199; 1981 c 192 § 22. Formerly RCW 30.22.220.]
WA Rev Code § 30A.22.230 (2021)
2021 Revised Code of Washington|Title 30A - Washington Commercial Bank Act|Chapter 30A.22 - Financial Institution Individual Account Deposit Act.|30A.22.230 - Authority to charge a customer for furnishing items or copies of items.

RCW 30A.22.230 Authority to charge a customer for furnishing items or copies of items.A financial institution may charge a customer for furnishing items or copies of items as defined in RCW 62A.4-104, in excess of the number of free items or copies of items provided for in RCW 62A.4-406(b), fifty cents per copy furnished plus fees for retrieval at a rate not to exceed the rate assessed when complying with summons issued by the Internal Revenue Service.[ 1993 c 229 § 118. Formerly RCW 30.22.230.]NOTES:Recovery of attorneys' fees—Effective date—1993 c 229: See RCW 62A.11-111 and 62A.11-112.