What happens if the account owner of a joint account with survivorship also has a POD designation listed for that account?

An account held in a joint ownership with the right of survivorship will pass to the surviving account owner automatically when the first joint owner dies. When that happens the account becomes their sole property and can be left to an heir. The bank may allow the account owners to file a POD beneficiary who will inherit the account when the last surviving owner dies. You should discuss your questions with your bank.

However, remember that when two people have a joint account and one dies the account becomes the sole property of the Survivor even if the first to die had a POD.