1.  Rights determined by terms of account.  Rights at the death of a party under section 6-212 are determined by the terms of the account at the death of the party. A party may alter the terms of the account by a notice signed by the party and given to the financial institution to change the terms of the account or to stop or vary payment under the terms of the account. To be effective, the notice must be received by the financial institution during the party's lifetime.  

2.  Right of survivorship not altered by will.  A right of survivorship arising from the express terms of the account, section 6-212 or a POD designation may not be altered by a will.