Survivorship is the default
Under Minn. Stat. § 524.6-204, sums remaining on deposit in a joint account at a party's death belong to the surviving party or parties by default — unless there's clear and convincing evidence of a different intent at the time the account was created, or a valid will specifically refers to that account and disposes of it differently. If more than one party survives, the right of survivorship continues among them.
A statutory form that makes it conclusive
Minnesota goes a step further than many states by spelling out exact form language in § 524.6-213. An account signed using this statutory survivorship language — stating that the balance, on the death of any party, "shall belong to the surviving party" or, with multiple survivors, that they'll take "as JOINT TENANTS" — is conclusive evidence of the depositor's intent to create a survivorship account, absent fraud or misrepresentation. That's a stronger footing than relying on the general default alone.
An explicit option with no survivorship at all
Minnesota also provides specific form language for the opposite situation: an account meant purely for convenience, between a depositor and someone holding a power of attorney over the account. When that recommended language is used, the account is construed as a matter of law to be subject to a power of attorney with no survivorship rights — the named agent can deposit or withdraw funds on the owner's behalf, but has no ownership claim to what's left when the owner dies.
How a P.O.D. account resolves
A payable-on-death (P.O.D.) account works differently from ordinary joint-party survivorship. When the original owner — or the last surviving original owner, if there were more than one — dies, the remaining funds belong to the P.O.D. payee or payees who survive. If two or more payees survive together, there's no further right of survivorship between them afterward unless the account's own terms specifically say otherwise; the funds are simply split according to the account's terms.
Life insurance and retirement accounts
Life insurance and retirement accounts like a 401(k) or IRA follow the ordinary rule: the named beneficiary receives the asset directly, outside probate, as long as they're alive when the owner dies. Either one becomes part of the probate estate only if no beneficiary was ever named, every named beneficiary predeceased the owner with no contingent beneficiary in place, or the policy or plan names the owner's own estate.