At First Choice FCU, whenever a Payable On Death (POD) is added to an account, that change requires the resigning of signature cards. This means that ALL owners of the account will need to resign.
If a POD exists on an account and then another is added, unless otherwise directed, the new POD will simply be added to the list of beneficiaries named. The newer assigned POD will be added to the account, not replaced or replacing a previous person.