Treasury Management
Contact UsComplete 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
Accounts Receivable Services
Accounts Payable Services
ACH Origination Services
Protecting Your Business
Wire Transfers
International Services
Invoicing and Payments for Small Businesses
Payroll Services
Award-Winning Treasury Management
We received national and regional awards in categories like overall satisfaction, likelihood to recommend, satisfaction in cash management, and more. Thank you for making this possible—we’re honored to serve you!
Merchant Services POS
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
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.
- Open a new account online or in a branch
- Enroll in Business Online Banking to manage your accounts virtually
- Move your payments including recurring debits, payroll funding or any other repeating transactions
- Close your old account once activity has cleared and destroy any checks or cards
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.
Call us toll-free at 1-866-270-6100
Monday–Friday 8:30am–5:00pm
Or email us at [email protected]
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Nacha Rule Changes
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 Nacha Rules or contact our Treasury Management support team.
Amendments to the Nacha Operating Rules
January 1, 2026
- Revised Definition of Banking Day: “Any day on which an applicable facility of an ACH Operator is being operated.”
- United Community follows the Federal Reserve Operating and Holiday Schedule.
March 20, 2026
- Fraud Monitoring by Large Originators, TPSPs, and TPS (Phase 1)
- New Company Entry Descriptions: PAYROLL and PURCHASE
June 22, 2026
- Fraud Monitoring by All Other Originators, TPSPs, and TPS (Phase 2)
September 18, 2026
- Funds Availability Requirements for Non–Same Day ACH Entries
- Updated Definition of IAT Entries
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 $15.
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 $15. Currency conversion exchange rates may apply.
Usage of ACH SEC Codes and Required Company Entry Descriptions
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.
Required Company Entry Descriptions
REVERSAL
- Used when initiating a reversal to correct an erroneous ACH transaction.
- Permitted reasons include duplicate payments, wrong account, incorrect amount, or date errors.
- Company Entry Description must contain 'REVERSAL'.
- Source: Nacha Reversal Rule (2021).
PAYROLL
- Required for PPD Credits used to pay wages, salaries, bonuses, and similar compensation.
- Effective March 20, 2026 as part of Nacha's Risk Management Rule amendments.
- Supports fraud monitoring and prevention of payroll redirection.
- Source: Nacha Risk Management Topics – Company Entry Descriptions (2026).
PURCHASE
- Required for e-commerce debit entries authorized by a consumer for online purchases.
- Includes recurring purchases first authorized online.
- Typically uses the WEB SEC Code unless Standing Authorization permits TEL or PPD.
- Source: Nacha Risk Management Topics – Company Entry Descriptions (2026).
Treasury Management Resources
- Account Labeling
- ACH File Import
- ACH Origination Guide
- Company Policy
- Information Reporting
- International Wire Payments
- Multi-Transfer
- Multi-Wire Origination
- Online Tax Payments
- Online User Management – Corporate Banking
- Online User Management – Non Corporate Banking
- Payment Template Creation
- Recipient Management
- Recipient Upload From Batch
- Split Payroll Transactions
- Subsidiary Management
- User Roles
- Wire Upload
Helpful Resources
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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.
2025 Greenwich Excellence Awards for U.S. Middle Market and Small Business Banking published February 26, 2025
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