A woman and her son owned a joint checking account. When the woman and her son

opened the checking account, they did not specify whether it was owned with right of

survivorship. The woman also owned a savings account that named her daughter as "pay

on death" beneficiary. The woman died survived by her son and her daughter. The

woman's valid will left her entire estate to her church. The woman's will made no specific

reference to bank accounts.

Who is entitled to the checking account and the savings account upon the

woman's death?

a. The woman's son takes the checking account, and the church takes the savings account.

b. The woman's son takes the checking account, and the woman's daughter takes the savings

account.

c. The checking account is divided equally between the woman's son and the church, and the

woman's daughter takes the savings account.

d. The church takes the checking account and savings account under the woman's will.