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    Treasury Management

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    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 [email protected] if you have questions for the Treasury Management Services team. 

    Account Management

    Get convenient access to your money and manage your business accounts in real time with our information reporting solutions.
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    Accounts Receivable Services

    Your time is valuable. Streamline your collections and get some of that time back. These quick and secure services match the pace of your day so you can stop stressing and stay focused on the success of your business.
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    Accounts Payable Services

    Enjoy convenient access to your money and never be left in the dark. When you streamline your AP services with us, you'll save time, money and headaches.
    Get Started

    ACH Origination Services

    Use ACH to collect payments from customers or concentrate cash between multiple bank accounts.
    Learn More

    Fraud Prevention

    Fight the rise of fraudulent activity with United Community at your side. We offer multiple fraud prevention tools to help protect your business, manage risk and avoid the costly effects of check and electronic fraud.
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    Wire Transfers

    Easily move money from your United Community account in a cost-effective way with our Wire Transfer service.
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    International Services

    Manage all your international transactions with our Documentary Collections service. We'll ensure payments are collected quickly, risk is minimized and documents are exchanged properly.
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    Create Invoices with Autobooks

    Create and send a great-looking invoice in minutes with Autobooks.1 Delight your customers with easy online payment options. You’ll be able to see who paid their invoice, and who is past due.
    Get Started
    Greenwich awards for business banking

    Award-Winning Treasury Management

    For the eighth consecutive year, we’re proud to have received 15 Greenwich Excellence and Best Brand Awards for providing trust, value, and overall satisfaction to our middle market and small business clients. In the area of cash management, we received:

    Middle Market Banking

    • Cash Management - Overall Satisfaction (South Region)

    Small Business Banking

    • Cash Management - Customer Service (National)
    • Cash Management - Overall Product Capabilities (National)
    • Cash Management - Overall Satisfaction (National)
    • Cash Management - Overall Satisfaction (South Region)
    women using POS system

    Merchant Services POS

    United Community Payments Systems has teamed up with Clover®, a point-of-sale (POS) system that makes running your business a breeze. Take orders and accept payments. Organize inventory and manage your team. Grow your customer base. All at the tips of your fingers.

    Contact our Treasury Management Team

    Fill out the form below, call 1-866-270-6100, or email [email protected] to get in contact with the Treasury Management Services team. 
     

    Frequently Asked Questions

    No! Whether your company has 1 employee or 10,000, our Treasury Management team has a solution to help streamline your cash flow and make banking more convenient. Each customer's services are tailored to your business needs and capabilities to ensure it's best for you.

    Yes, United does allow you to upload a NACHA compatible file for ACH Origination

    Our support team is standing by to help, Monday to Friday from 8:00am ET - 6:00pm ET. Contact them now at 1-866-270-6100 or send us an email at [email protected].

    We have a wide variety of Treasury Management products and services to meet the needs from small business to large commercial businesses. Our Treasury Solutions Consultants will tailor your services to fit your business's unique needs.

    Our convenient wire transfer services allow you to move money to and from your United Community Bank account. This is a fast and secure payment method that, in most cases, clears on the same day the transfer is requested.

    How to Receive a Domestic Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to: United Community Bank
    Routing number: 061112843
    Address:
    125 Highway 515 East
    Blairsville, GA 30512
    For Credit to: Your name and account number

    Allow 24 hours for a domestic wire transfer to credit to an account. The domestic incoming wire fee is $14.

    How to Send a Domestic Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Routing ABA number: Routing and transit number of receiving financial institution
    Address: Address of receiving financial institution
    For Credit to: Name, physical address, and account number of receiving party

    Domestic outgoing wire fee sent via Business Online Banking is $12. Otherwise, the fee is $30.

    How to Receive an International Wire Transfer

    Provide the originating financial institution with the following wire information:
    Wire funds to:
    United Community Bank
    125 Highway 515 East
    Blairsville, GA 30512
    SWIFT BIC: UCOUUS33
    For Final Credit To: Your name and account number
    Allow Up to 7 days for an international wire transfer to credit to an account.

    International Incoming Wire Fee is $14. Currency conversion exchange rates may apply.

    How to Send an International Wire Transfer

    Provide United Community Bank with the following wire information:
    Wire funds to: The receiving financial institution’s name
    Swift Code: The Swift code (sometimes called BIC code) for the foreign financial institution
    For Credit to: Name, physical address, and account number of receiving party

    For wires being converted to a foreign currency, some additional information may be required to remit funds. Please contact your local branch for additional information.

    The international outgoing wire fee is $50.

    There are four easy steps to to transferring your account to United Community
    1. Open a new account online or in a branch
    2. Enroll in Business Online Banking to manage your accounts virtually
    3. Move your payments including recurring debits, payroll funding or any other repeating transactions
    4. Close your old account once activity has cleared and destroy any checks or cards
    For more information visit your local branch and speak to a banker today

    An ACH transfer goes through an interbank system for verification called the Automated Clearing House (ACH) Network. This makes it a great option for easy to use, secure payments. A wire transfer goes directly to a receiving bank without the intermediary system. This will typically save processing time for a transaction and show up immediately.

    Exceptions are available starting at 8:30am ET and can be decisioned in online banking until 1:30pm ET.

    For Treasury Management Banking Support:
    Call us toll-free at 1-866-270-6100
    Monday–Friday 8:30am–5:00pm
    Or email us at [email protected]

    Didn't find what you are looking for? View All FAQs or Contact Us

    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.
    NACHA has updated the rule for Micro-Entries (Phase 2), effective March 17, 2023.
    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

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    1. 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. 

      2023 Greenwich Excellence Awards for U.S. Middle Market and Small Business Banking published February 21, 2024

      @2023 Clover Network Inc. The Clover name, logo and related trademarks are owned by Clover Network, Inc., and are registered or used as the U.S. and many foreign countries. Merchant services are provided by First Data Merchant Services LLC dba Clover Business Solutions. All trademarks, service marks and trade names referenced in this material are the property of their respective owners. 

       

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