... the complaint would be futile. The judge reasoned that under N.J.S.A. 17:16I-8, the bank had no obligation to resolve disputes between the ... of facts. The relevant banking statute governing multi-party accounts, N.J.S.A. 17:16I-8, provides that either party to a joint account may withdraw ... withdrawn from an account, for purposes of establishing net contributions. [ N.J.S.A. 17:16I-8.] Consequently, Thomas could have withdrawn all of the funds from ... N.J. Super. 558 , 564-65 (App. Div. 1994). Under N.J.S.A. 17:16I-8, the bank had no duty to referee disputes between Joseph ...