Amends GS 54-109.58(d), 54B-129(a), and 54C-165(a), conforming and updating the laws governing joint accounts in credit unions, savings and loan associations, and savings banks to the law governing banks. Provides that a pledge of a joint account by any one or more of the joint tenants, unless otherwise agreed between the organization and all joint tenants in writing, will be a valid pledge and transfer of the account or of the amount involved. The pledge will be considered binding on all joint tenants and will not operate to sever or terminate any joint ownership of any part of the account, and will survive the death of any joint tenant. Deletes language in each section that previously spoke to pledges of accounts of joint ownership.

Makes technical changes.