Treasury Management
Contact UsTreasury Management
Complete support, from cashflow to financial analysis.
Your business is unique. Your Treasury Management Services should be too. We specialize in providing the tools you need to efficiently manage the finances of your business and save you time and money.Call 1-866-270-6100 or email TMsales@ucbi.com if you have questions for the Treasury Management Services team.
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Contact our Treasury Management Team
Fill out the form below, call 1-866-270-6100, or email TMsales@ucbi.com to get in contact with the Treasury Management Services team.
NACHA Rule Changes - 2023
Below are updates to the NACHA rules that pertain to ACH originators. For more information or detail surrounding these or other NACHA rules, please visit https://www.nacha.org/rules/ or contact your Treasury Management teammate.
Micro-Entries
NACHA has updated the rule for Micro-Entries (Phase 1), effective September 16, 2022.This is what it means for you:
- A Micro-Entry will be “a credit or debit Entry used by an Originator for the purpose of verifying a Receiver’s account or an individual's access to an account.”
- An Originator must include specific information including a description of “ACCTVERIFY”, a recognizable Company Name, and the offsetting credit/debit at the same time.
This is what it means for you:
- Originators of Micro-Entries are required to use commercially reasonable fraud detection, including the monitoring of Micro-Entry forward and return volumes.
- Monitoring forward and return volumes, at a minimum, establishes a baseline of normal activity.
- An Originator is not required to perform an entry-by-entry review
Third-Party Sender
NACHA has updated the rule for the roles and responsibilities of Third-Party Senders (TPS), effective September 30, 2022.This is what it means for you:
- Third-Party Senders or Nested TPSs that have not previously conducted an ACH Risk Assessment will have to do so
- Third-Party Senders that have relied on other TPS’s Risk Assessments or Rules Compliance Audits will need to conduct their own
Same Day ACH Dollar Limit
NACHA has updated the rule for Same Day ACH Limits, effective March 18, 2022.This is what it means for you:
- This rule increases the Same Day ACH dollar limit to $1 million per payment
- This rule applies to all Same Day ACH entries; consumer and business payments, credits and debits.
Incoming Wire Transfer Instructions
Incoming Domestic Wire Transfer
Provide the originating financial institution with the following wire instructions:Wire Funds to: United Community Bank
Address: 125 Highway 515 East
Blairsville, GA 30512
Routing number: 061112843
For Credit to: Your account number and name exactly as it appears on your account
Please allow 24 hours for a domestic wire transfer to credit to an account. The domestic incoming wire fee is $14.
Incoming International Wire Transfer
Provide the originating financial institution with the following wire instructions:Wire Funds to: United Community Bank
Address: 125 Highway 515 East
Blairsville, GA 30512
SWIFT BIC: UCOUUS33
For Credit to: Your account number and name exactly as it appears on your account
Please allow up to 7 days for an international wire transfer to credit to an account. The international incoming wire fee is $14. Currency conversion exchange rates may apply.
Usage of ACH SEC Codes
How to correctly choose SEC Code in Online Banking
In Online Banking, as you are submitting your transactions, under Origination Details there is a dropdown to select the SEC Code PPD or CCD. Please select the correct SEC Code that corresponds to the recipients of the originated transactions as seen below:- PPD - Prearranged Payment and Deposit
- CCD - Cash Concentration and Disbursement
Overview
- The CCD SEC Code is for Cash Concentration and Disbursement Transactions and used to originate transactions to or from Business / Corporate Accounts only.
- The PPD SEC Code is for Prearranged Payment and Deposit Transactions and used to originate transactions to or from Consumer Accounts only.
Helpful Resources
Rising Rates & Starting Your Business
In an environment like this, it’s important to take a step back and look at the big picture. Both for the prime rate itself and for your business.
Tips for Your Business’s Next Build
Tips to Protect Your Mobile Identity
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United Community (“United”) is pleased to offer digital invoicing and payment technology services through Autobooks, Inc. (“Autobooks”), a third-party provider of online accounting services. By providing your contact information, you consent to be contacted by a representative with Autobooks. United, its subsidiaries, and its affiliates are not affiliated with Autobooks. The services referenced herein are provided exclusively by Autobooks. Customer’s use of such services is solely at customer’s election and is subject to Autobooks’s terms of use in all respects. Certain restrictions and fees apply for use of the service. United and its employees may be entitled to receive fees and incentives from Autobooks based on United’s customer’s use of these services. Autobooks may have privacy and security policies that are different from United’s Privacy Policy and Security Statement. You should review the Autobooks terms of use and the privacy and security policies on the Autobooks website before you provide personal or confidential information. Please refer to the Autobooks website for its statement on security and compliance. Note: Payments initiated through Autobooks products typically post to your United account in 1-2 business days; longer delays may apply in certain instances.
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