Pennsylvania Statutes Title 7 P.S. Banks and Banking § 6020-118. Savings accounts in two or more names

(a) When a savings account is opened in any association in the names of two or more persons whether minor or adult and the savings contract provides that the moneys in such account may be paid to or on the order of any one of such persons, then the association may pay the moneys in such account to or on the order of any one of such persons either before or after the death of the other person or persons named on such account and such association shall have no further liability for the amount so paid.

(b) If the savings contract provides that the signatures of more than one of such persons during their lifetimes or of more than one of the survivors after the death of any one of them are required on any receipt or withdrawal order then the association shall pay the moneys in the account only in accordance with such instructions; provided

(c) Any one of the parties to a joint account may give written notice to the association not to permit withdrawals in accordance with the terms of the savings contract, in which event the association may refuse, without liability, to honor any receipt or withdrawal request on the account pending determination of the rights of the parties thereto.