![]() (c) The Service is intended for personal, not business or commercial use. You further agree that you will not use the Service for International ACH Transactions, which are prohibited under these Terms of Use. You agree that you will not use the Service to request, send or receive money from anyone to whom you are obligated for tax payments, payments made pursuant to court orders (including court-ordered amounts for alimony or child support), fines, payments to loan sharks, gambling debts, or payments otherwise prohibited by law. territories) at least eighteen (18) years of age and you have the authority to authorize debits and credits to the registered bank account (“Account”). (b) When you enroll to use the Service or when you permit others to whom you have delegated to act on your behalf to use or access the Service, you agree to be bound by these Terms of Use. In order to transfer funds out of your Account to another individual or business, you must have an available balance in that Account. In order to receive funds transfers into your Account, that Account must be open and in good standing. ![]() Account eligibility rules may differ if you are enrolling in Zelle through another Network Bank or on Zelle’s separate transfer service website or mobile app. (a) The Service is available to our customers with an eligible deposit Account currently enrolled in Online Banking. YOU SHOULD NOT USE THE SERVICE TO SEND MONEY TO RECIPIENTS WITH WHOM YOU ARE NOT FAMILIAR OR DO NOT TRUST. THE SERVICE IS INTENDED TO SEND MONEY TO FRIENDS, FAMILY, AND OTHERS YOU TRUST. All money will be transmitted by a Network Bank. You may not establish a financial account with Zelle of any kind. Zelle provides no deposit account or other financial services. We will refer to financial institutions that have partnered with Zelle as “Network Banks.” We have partnered with the Zelle Network (“ Zelle“) to enable a convenient way to transfer money between you and others who are enrolled directly with Zelle ® or enrolled with another financial institution that partners with Zelle (each, a “User”) using aliases, such as email addresses or mobile phone numbers. General Terms Applicable to the Service.You may have additional rights and duties under our Disclosure Statement and Terms and Conditions for Electronic Fund Transfer Transactions (“EFT Disclosure Statement”), delivered to you when you opened your deposit account at Laurel Road. Certain defined terms used herein are defined in other agreements referenced herein. If there is any conflict between any term of any Deposit Agreement or the User Agreement posted on Laurel Road’s website, (the “Website”) and these Terms of Use, these Terms of Use shall control. ![]() These Terms of Use supplement, modify, and incorporate by reference your deposit account agreements with Laurel Road, including our Deposit Account Agreement and Funds Availability Policy, and Online Banking Service Agreement and Disclosures (collectively, the “Deposit Agreements’) as well as the Rules and Regulations for the Laurel Road World Wide Website (the “User Agreement”). The money will be sent directly into your Sandy Spring Bank account, typically within minutes *.The following are the Terms of Use for the Send Money with Zelle ® Service (“Service”) at Laurel Road, a brand of KeyBank National Association, and KeyBank National Association (herein called “Laurel Road” or “ KeyBank” or “we” or “us” or “our”). If you have already enrolled with Zelle ®, you do not need to take any further action. mobile phone number with a friend and ask them to send you money with Zelle ®. To receive money, just share your enrolled email address or U.S. mobile number, then you can send the request using their mobile phone number. If the person you are requesting money from is not yet enrolled with Zelle ®, you must use their email address to request money. To request money using Zelle ®, choose “Request,” select the individual from whom you’d like to request money, enter the amount you’d like to request, include an optional note, review and hit “Request” **. mobile phone number), add the amount you’d like to send and an optional note, review, then hit “Send.” In most cases, the money is available to your recipient in minutes *. To send money using Zelle ®, simply select someone from your mobile device’s contacts (or add a trusted recipient’s email address or U.S. Following the prompts, enter the information requested, accept the terms and conditions, and you’re ready to start sending and receiving with Zelle ®. To get started, log into Sandy Spring Bank's mobile app and select “Send Money with Zelle ®”. You can send, request, or receive money with Zelle ®.
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