MN SF84

Adds definition of "agent" as a person authorized to make account transactions for a party in multiparty accounts.

Allows parties to jointly designate a non-party agent to manage account transactions, with agent authority surviving disability or incapacity unless terms specify otherwise.

Establishes that agents have no beneficial ownership rights to account funds and terminates agent authority upon death of all parties, appointment of an attorney-in-fact, or appointment of a conservator.

Clarifies financial institution liability protections when processing agent-authorized transactions, requiring written notice of disputes before institutions are bound by claims against payments made.

Provides a uniform account form that establishes account type and governing provisions, including optional agency designation sections allowing parties to specify whether agent authority survives disability or incapacity.