My question is does it make a difference which line the POD is on when an account has jt owners with POD? We have been taught to always put POD on the second line, which causes a problem when there are two owners of the account. It appears that the second owner is the POD. Can the POD be put on the third account title line or even on the second line after the jt owners name?

On our system, we don't even put POD information on a title line. We have special area for beneficiaries.