Fill - Free fillable External Transfer to a Friend Enrollment Form PDF form

External Transfer to

a Friend Enrollment Form

Revised 05/18/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

Complete this Enrollment Form for the ability to electronically transfer funds from personal checking and savings accounts you

own at Zions Bank (“we” or “us”) to an enrolled account (“External Account”) at another Financial Institution (“External Bank”).

Before signing this Enrollment Form, please review the attached External Transfer to a Friend Agreement and Frequently

Asked Questions. Then review this Enrollment form to ensure that it is complete, accurate and signed. Incomplete enrollments

will be returned. If you have any questions, please call us at (800) 840-4999.

Please keep the External Transfer to a Friend Agreement and Frequently Asked Questions for your own records.

Submit the original signed Enrollment Form to Zions Bank in one of the following ways:

Mail to: Fax to:

Zions Bank –SLSC 1968 (866) 883-6338

Email to:

ZionsDigitalBankingOperationsSupport@zionsbank.com

PO BOX 3748

Salt Lake City, UT 84110-9903

If complete, your enrollment request will be processed usually within1 to 2 business days. After processing, we will send you a

secured email message stating that the External Account has been added to your Online Banking profile. We will send that

message to the email address currently appearing in your Online Banking profile.

Your Information (please print)

Full Name of Zions Account Owner:

Primary Zions Bank Checking or Savings Account #:

Home Address:

City:

State:

Zip:

Preferred Phone Number:

Alternate Phone Number

Transfers can be made from any of the personal checking or savings accounts that appear in your Online Banking profile.

External Account Information & Terms

(Complete this section with information about the External Account)

Primary Account Holder’s Name on External Account**

Name of External Bank

Bank Account Number

Bank Routing Number

Bank Phone Number

For External Transfers to a Friend, you do not have to be a signer on the External Account. You can only transfer funds to (not from)

the External Account.

Agree to Terms

“You” means the individual named in Section 1. This

authorization will remain in effect until you revoke it by deleting the

External Account from your Online Banking profile and cancelling any

pending transfers. Zions Bank may refuse to make any transfer to the External

Account, at any time and for any reason, including but not limited to: written or

verbal instruction from anyone providing evidence of ownership of the External

Account; overdrafts, unrecoverable rejects, or returns from the External

Financial Institution; or possible fraud or illegal use. You agree to enroll only

personal accounts (business, corporate or organization accounts are NOT

allowed). You understand, and agree to, the additional terms and

conditions in the attached External Transfer to a Friend Agreement.

Signature

Date

The sample check on this page is to help you locate the Routing Number and Account Number on your checks. If you are not certain of these numbers, please

contact the External Bank. Call Zions Bank at 800-840-4999 with any other questions.

For Bank Use Only

Received by:

Date received:

Verified by:

Date Verified:

Enrollment number:

External Account Type:

 PersonalChecking

 Personal Savings

Revised 05/10/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

External Transfer to a Friend Agreement

(Addendum to Online Banking Service Agreement)

General

The terms “you” and “your” refer to the individual customer accepting this External Transfer to a Friend Agreement (this

“Agreement”). The terms “our”, “we”, and “us” refer to Zions Bancorporation, N.A., dba Zions Bank. Other terms are

defined in this Agreement or your Online Banking Service Agreement. This Agreement is an addendum to and hereby

incorporates all of the terms, conditions and limitations of your Online Banking Service Agreement and Zions Bank

Deposit Agreement.

By entering into this Agreement, you can electronically transfer funds from your eligible personal checking or savings

account at Zions Bank (an “Eligible Account”) to an enrolled checking or savings account that is owned by another person

(a “Friend”) at another financial institution (an “External Account” at an “External Financial Institution”). Each transfer

that you make to an External Account at another Institution is called an “External Transfer to a Friend”. The services

described herein are called the “Service.” We may change the types of accounts served, or the types of transfers that can

be made, by using the Service at any time without notice. This Agreement governs only the External Transfers you make

to a Friend using the Service. Without limitation, this Agreement does not govern transfers that you make to your own

accounts Zions Bank or elsewhere using Online Banking, or govern transfers that you make to third parties using bill

payment or other services.

Authorization and Termination

By enrolling in the Service, or by making any External Transfer to a Friend using the Service, you accept the terms of this

Agreement and: (a) represent and warrant that you have permission from the owner(s) of that External Account to make

transfers thereto; and (b) authorize Zions Bank to electronically transfer funds from your accounts to the External Account

based on instructions entered through Zions Bank’s Online Banking Website, or to correct any errors that Zions Bank

identifies.

Your authorizations to Zions Bank regarding any External Account will remain in full force until you terminate the Service

for that or all of your External Accounts as provided herein in the section entitled “Termination of the Services.”

Enrollment of an External Account

You will need to enroll an External Account before you can transfer funds to it. To “enroll” an External Account, complete

an “External Transfer to a Friend Enrollment Form” and have it accepted by Zions Bank.

Zions Bank reserves the right to reject an enrollment request for any reason, including but not limited to potential fraud or

misuse, other limitations as outlined by the United States Department of the Treasury’s Office of Foreign Assets Control,

or an incomplete enrollment. You agree to enroll only personal accounts (i.e., business, corporate, or organization

accounts are NOT allowed).

Not all types of accounts are eligible for ACH transfers. You may be subject to penalties by the External Financial

Institution, or may suffer negative tax consequences, for certain transactions involving Retirement (401k, IRA, etc.),

Savings, Money Market Accounts, Certificates of Deposit, Trusts, Loans, Custodial, Business, Corporate and other types

of accounts. It is your responsibility to verify with the External Account owner and the External Financial Institution any

restrictions regarding transfers to any External Account that you enroll. Zions Bank is not responsible for direct, indirect,

special or consequential costs, fees, losses, penalties, or other damages resulting from External Transfers to a Friend that

are not permitted under restrictions of External Financial Institutions or those imposed by applicable laws and regulations.

External Account Number Policy

Zions Bank may, but has no obligation to validate any External Account number that you provide in the enrollment

process. It is your responsibility to ensure you enter a valid and correct External Account number. External Transfers to a

Friend sent to invalid or incorrect account numbers may not be recoverable. If you provide an invalid or incorrect External

Account number, Zions Bank will NOT be responsible for returning funds due to an unrecoverable External Transfer to a

Friend.

Revised 05/18/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

Transferring To an External Account

All External Transfers to a Friend are subject to the rules and regulations of the External Financial Institution. You agree

not to transfer any funds to an External Account where that transaction would not be allowed under the rules or

regulations applicable to such accounts. You agree to obtain any and all permissions required by the External Financial

Institution or External Account owner prior to transferring funds to an External Account.

When you place an order for an External Transfer to a Friend, Zions Bank will hold the funds on the scheduled date of the

transaction. The hold will remain in effect until the funds are sent and the transaction is posted.

We may honor but are not required to honor External Transfers to a Friend in excess of the collected funds in your Eligible

Account. If your Eligible Account has insufficient funds to cover an External Transfer to a Friend, Zions Bank may, at its

sole discretion:

• Honor the funds transfer under the terms of any Zions Bank overdraft protection plan you have established.

• Honor the funds transfer and create an overdraft in your Eligible Account. Zions Bank may hold balances in your

other Zions Bank accounts until the overdraft is paid. In addition, Zions Bank may advance funds under your

Zions Bank issued Credit Card. Charges to your Zions Bank issued Credit Card to cover these transfers will be

considered a cash advance (see your Credit Card disclosures for applicable fees).

• Refuse to honor the funds transfer.

• Cancel any and all External Transfers to a Friend to any and all External Accounts.

Fees may apply to any of the above remedies. Please refer to your Zions Bank Deposit Agreement for additional details.

If any External Transfers to a Friend are returned to Zions Bank for any reason, Zions Bank will return the funds, within a

reasonable time, to your Eligible Account.

*The External Transfer to a Friend Service does not permit you to transfer or draw funds from any External

Account.

Transfer Timing and Settlement

Transfers to External Accounts generally take between one and three business days to settle. This means immediate

transfers may take up to three days before funds have actually transferred. This also means that scheduled transfers,

both one-time and recurring, will also settle one to three days after the scheduled date.

Canceling Specific Funds Transfers

You may cancel any scheduled one-time or recurring transfer initiated through the Zions Bank Online Banking website if

you do so within one business day prior to the scheduled transaction processing date. This can be done by submitting a

timely request through Zions Bank’s Website, by calling 1-800-840-4999 or writing to us at:

Zions Bank

Attn: External Transfers to a Friend

P.O. Box 3748

Salt Lake City, UT 84110

A cancellation request for a one-time transfer will apply to that specific transaction.

Zions Bank may refuse to honor any External Transfer to a Friend, at any time for any or no reason, including but not

limited to: written or verbal notice from other apparent owners of the External Account; overdrafts, unrecoverable rejects, or

returns from the External Financial Institution; or possible fraud or illegal use.

Termination of the Service

If, at any time, you wish to terminate your use of the Service for any or all enrolled External Account, you will need to

immediately discontinue use of the Service for those External Accounts, cancel any scheduled transactions (whether

scheduled or recurring) to those External Accounts, and delete those External Accounts from your Online Banking profile.

(See also Section entitled “Canceling Specific Funds Transfers.”) You may cancel transactions that are not in-progress

Revised 05/18/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

through the Zions Online Banking website, by calling our Online Banking Customer Service Center at 1-800-840-4999, or

by writing to us at:

Zions Bank

Attn: External Transfers to a Friend

P.O. Box 3748

Salt Lake City, UT 84110

Termination of Service with an External Account may be requested by you, or by any other owner or person presenting

ownership of that External Account. Notwithstanding your termination of the Service, this Agreement will continue to

govern any transactions that cannot be canceled at the time of your termination.

Zions Bank reserves the right to terminate or suspend your access, or any access, to this Service, to cancel any and all

transactions, and remove or suspend any or all enrolled External Account for any or no reason, including but not limited to

fraud, misuse, kiting, ACH transaction rejects and returns, or any unauthorized access or use of the Service.

Transfer Limits

For security or risk purposes, Zions Bank may from time to time in its discretion set and modify without prior notice limits

on the individual or aggregate amount of External Transfers to a Friend, and related transfers involving your accounts.

Current limits can be ascertained by calling Zions Bank Online Banking. In addition, if you transfer from a Savings or

Money Market account, the account is limited to a total of six transfers per statement cycle. See your Zions Bank Deposit

Agreement for details.

In Case of Errors or Questions about Your External Transfers to a Friend

Please contact our Online Banking Customer Service Center at 1-800-840-4999 in regards to errors or questions about

your External Transfers to a Friend, or write to us at:

Zions Bank

Attn: External Transfers to a Friend

P.O. Box 3748

Salt Lake City, UT 84110

Refer to the section in your Zions Bank Deposit Agreement and your Account statements for further information outlining

your need to review your Account statements regularly, and how errors and questions on electronic funds transfers should

be reported, and how they are processed.

Disputes

Any claim or dispute under or in connection with this Agreement, the Service or any External Transfer to a Friend shall be

resolved in the manner set forth in your Zions Bank Deposit Agreement.

Fees

There is no fee charged by Zions Bank for enrolling in this Service, or for making an External Transfer to a Friend.

However, there may be fees charged by the External Financial Institution for ACH transactions involving an External

Account. You should check with your External Financial Institution for any such fees.

Changes to Fees or Other Terms

We reserve the right to change the fees or other terms described in this Agreement, as set forth in the Online Banking

Services Agreement.

Revised 05/18/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

“Frequently Asked Questions”

External Transfer to a Friend Service

Q: What is an External Transfer to a Friend?

A: An External Transfer to a Friend allows you to transfer funds electronically from your Zions Bank personal checking or

savings account to a checking or savings account owned by somebody else (a “Friend”) at another financial institution.

The Friend’s account is called an “External Account.” This transfer occurs through your Zions Bank Online Banking

account and the Automatic Clearinghouse (ACH) system (just like a direct deposit or utility bill payment would).

Q: How do I sign up for External Transfer to a Friend?

A: You will need to enroll each External Account by completing and submitting an External Transfer to a Friend

Enrollment Form to Zions Bank. Once your enrollment request is processed and approved, Zions Bank will send you a

secured email message stating that the External Account has been added to your Online Banking profile. Processing and

approval usually takes 1 to 2 business days.

Q: Is there a difference between “External Transfer to a Friend” and other “external transfers”?

A: Yes. An ordinary external transfer is a transfer to or from an account that you own at another financial institution.

External Transfer to a Friend is a transfer from your Zions Bank account to an account owned by somebody else at

another financial institution. The difference is who owns the two accounts.

Q: Is “External Transfers to a Friend” the same as “Transfer to a Friend” at Zions Bank?

A: No, “External Transfers to a Friend” allows you to transfer funds from your account at Zions Bank to an account owned

by somebody else at another financial institution. The difference is whether both accounts are held at Zions Bank.

Q: Must I notify the other financial institution?

A: No.

Q: Can I enroll any External Account of a Friend?

A: The Friend’s External Account must be a checking or savings account with a financial institution that accepts ACH

transactions.

Q: Will I be able to see the balances of my Friend’s account?

A: No.

Q: Can I transfer funds from my Friend’s account?

A: No, you can only transfer funds from your Zions Bank account to your Friend’s External Account.

Q: How long does it take for funds to reach my Friend’s External Account?

A: Typically, funds will reach your Friend’s External Account in 1 to 3 business days after the scheduled date of transfer. If

a transfer is scheduled after our cutoff time, it will be deemed received the next business day. Availability of the funds

transferred will be subject to the other financial institution’s hold policies.

Q; Which of my accounts can make External Transfers to a Friend?

A: Once you are enrolled in the External Transfer to a Friend Service, each of your checking and savings accounts that

appear in your Online Banking profile will be capable of making External Transfers to a Friend.

Q: Is there a cost for an External Transfer to a Friend?

A: Zions Bank does not presently charge an enrollment fee or a transaction fee for the External Transfer to a Friend

Service. No fee for that Service will be adopted without prior notice in accordance with the terms of your Online Banking

Agreement and Zions Bank Deposit Account Agreement. All fees and charges otherwise applicable to your accounts and

transactions therein remain applicable (e.g., if your deposit account limits the number of transaction you can conduct

before fees for that account apply).

Revised 05/18/2020 Zions Bank, a division of Zions Bancorporation, N.A. Member FDIC

Q: Can anyone use this service? Can businesses enroll?

A: External Transfers to a Friend is available only to personal Zions Bank Online Banking customers who have at least

one personal checking or savings account. Businesses and business accounts are not eligible.

Q: Is there a limit to how much money I can transfer?

A: For security or risk purposes, Zions Bank may from time to time in its discretion set and modify without prior notice

limits on the individual or aggregate amount of External Transfers to a Friend and related transfers in your accounts.

Daily limits apply to the transfers scheduled to occur on any given day, not to the transfers that you may enter into the

Online Banking system on any given day. Current limits can be ascertained by calling Zions Bank Online Banking at

(800) 840-4999.

Q: What do I do if I no longer wish to make External Transfers to a Friend?

A: Simply delete your Friend’s External Account from your Online Banking profile. You should also timely cancel any

individual or recurring transfers that have already been scheduled that you do not wish to occur. If you have any

questions, please call Zions Bank Online Banking at (800) 840-4999. Zions Bank may in its discretion limit the number

of times that the same External Account may be added to your Online Banking profile.

Q: How do I cancel an External Transfer to a Friend?

A: An External Transfer to a Friend can be canceled up until the day before the scheduled date of transfer. Once the

transaction has been sent to the ACH system, it cannot be canceled. You cancel the transfer order through your Online

Banking transfers scheduling webpage.

Q: What happens if I don’t have enough funds in my account when an External Transfer to a Friend completes?

A; First, Zions Bank may decline to complete the transfer. If Zions Bank does complete the transfer, you may be subject to

overdraft charges under the agreements governing your account. Please check your deposit agreement, your fee schedule

and any overdraft protection agreements or programs that you may have.

Q: Who do I contact if I have additional questions or need help enrolling an external account?

A: If you have any questions, please call Zions Bank Online Banking at (800) 840-4999.

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Fillable External Transfer to a Friend Enrollment Form

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