(a) A contract of deposit that contains provisions substantially the same as in the form provided by § 113.052 establishes the type of account selected by a party. This chapter governs an account selected under the form.
(b) A contract of deposit that does not contain provisions substantially the same as in the form provided by § 113.052 is governed by the provisions of this chapter applicable to the type of account that most nearly conforms to the depositor’s intent.