KRS 391.320

The provisions of KRS 391.315 as to rights of survivorship are determined by the form of the account at the death of a party. This form may be altered by written order from any party able to request present payment without the joinder of any other party given to the financial institution to change the form of the account or to stop or vary payment under the terms of the account. The order must be signed by said party, received by the financial institution during the party's lifetime, and not countermanded by other written order of the same party during his lifetime.