HRS §560:6-109
Paying joint account money after death or disability
A bank can pay money from a joint account to any account holder who asks, even if another holder has died or is incapacitated. But the bank cannot pay the dead person's estate or heirs unless that person was the last surviving holder or there is no right of survivorship.
financial institutionsheirspersonal representatives
The statute, as written — Financial institution protection; payment after death or disability; joint account
Subject to the provisions of sections 236D-12 and 560:6-107 any sums in a joint account may be paid, on request and according to its terms, to any party without regard to whether any other party is incapacitated or deceased at the time the payment is demanded; but payment may not be made to the personal representative or heirs of a deceased party unless proofs of death are presented to the financial institution showing that the decedent was the last surviving party or unless there is no right of survivorship under section 560:6-104.
Sections this one refers to
§236D-12 Who is responsible for unpaid estate taxes before property is handed over
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