Just got an urgent call from a CSR who has a customer who wants to open an account with the designation "under TOD rules". I tried www.washlaw.edu, but couldn't find anything. Could someone explain this, or maybe point me in the right direction? Thanks in advance.

Transfer on Death Rules. Check the website at www.google.com and enter TOD Rules. You should be able to find some information there.

I checked with Professional Bank Services that has seminars on deposit accounts for states as PA. It was suggested you open this account type as an informal trust. Here's their number 1-800-523-4778. These seminars are worth your time and cost to attend.

Thanks much, guys! I was out for two days, so I didn't get your posts until now.