KRS 391.335: Payment after death or disability.

Any sums in a joint account may be paid, on request, 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 proof of death is presented to the financial institution showing that the decedent

was the last surviving party or unless there is no right of survivorship under KRS

391.315.