Matter of Estate of Heffner

JOHNSON, Judge.

Alonzo H. Heffner executed a certain certificate of deposit in the amount of $54,215.81 at a branch office of North Carolina National Bank (the “Bank”) on 3 November 1986. Under Title I on the certificate was typed “ALONZO H. HEFFNER.” Under Title II was typed “BIRDIE HEFFENER [sic].” Above a space for signatures, a box marked “Joint Depositors with Survivorship” was marked with a typed “x.” The only signature on the certificate was that of Alonzo Heffner. Above his signature appeared these words: “The undersigned Depositor(s) has read and agrees to be bound by the provisions…