Close account A (individual) then open account B (trust). You can transfer ownership of a check, but not a bank account.
Kentucky's multiple party account statute does not explicitly indicate that the trust would be recognized as a POD beneficiary. Listing a trust as a POD beneficiary would be an invitation to a third party to challenge the designation; i.e. you simply cannot assure the owner it would work.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.