If a sole proprietorship owns a deposit account, we don’t believe that the Illinois Trust and Payable on Death Accounts Act would prevent the owner from designating a payable-on-death beneficiary. The law allows account owners to designate payable-on-death beneficiaries for any “account,” defined as “any account, deposit, certificate of deposit, withdrawable capital account or credit union share in any institution,” and it does not exclude sole proprietorship accounts or other business purpose accounts. 205 ILCS 625/4205 ILCS 625/2(b).