Section 3-311. Marriage relationship not to affect construction of instruments and transactions involving personal property

1. Where  an  instrument  or  transaction  creating  or  transferring  an  interest in
  personal property would create a joint tenancy or a tenancy in common in
  persons not husband and wife, it shall  create  a  joint  tenancy  or  a
  tenancy  in  common,  as the case may be, in persons who are husband and
  wife.
    2. An instrument or transaction which  does  not  create  a  right  of
  survivorship  in  personal  property between persons who are not husband
  and wife shall not create a right of survivorship in  personal  property
  between persons who are husband and wife.
    3.  This  section applies without regard to the identity of the person
  who makes the transfer or at whose instance it is had, or from whom  the
  consideration for the instrument or transaction proceeds.