These would be non-IRA deposit accounts. POD. My understanding is that it depends on state law as to whether the benes receive equal allocation or not. I believe most do, but i also think depending on the state they would/could receive a pre-determined %. Just not sure.
State law and your deposit contract. For regular deposit accounts here, we do equal share if multiple PODs are listed. Customer has no choice in the matter. If he/she wants different % or contingencies, we advise to speak with a trust attorney or specify in a will for the estate to administer.