Skip to main content

Treasury Management Services

Contact Us

Keep your business running smoothly.

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.
information reporting icon

Information Reporting

Get convenient access to your money and manage your business accounts in real time with our information reporting solutions.
receivables icon

Accounts Receivable

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.
payments icon

Accounts Payable

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.
fraud prevention icon

Fraud Prevention

Fight the rise of fraudulent activity with United Community Bank 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.
international services icon

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.
merchant services icon

Merchant Services

Now you can accept payments from credit and debit cards and provide the payment flexibility your customers expect.
wire transfers icon

Wire Transfers

Easily move your money to and from your United Community Bank account with this fast and secure payment method. 
digital invoicing icon

Creating Invoices

Create and send a great-looking invoice in minutes with Autobooks1. Delight your customers with easy online payment options. You’ll be able to see who paid their invoice, and who is past due.

Meet the Team

DianeBecton Image

Diane Becton

Vice President, Regional Treasury Solutions Consultant

VicCordone Image

Vic Cordone

Vice President, Regional Treasury Solutions Consultant

EmilyDixon Image

Emily Dixon

Vice President, Regional Treasury Solutions Consultant

KenitraNeary Image

Kenitra Neary

Vice President, Regional Treasury Solutions Consultant

WillWard Image

Will Ward

Vice President, Regional Treasury Solutions Consultant

NACHA Rule Changes - 2021

Below are updates to the NACHA rules that pertain to ACH originators. The overarching purpose of the first two rules is to deter and prevent, to the extent possible, the improper use of reversals and the harm it can cause. The two rules will explicitly address improper uses of reversals, and improve enforcement capabilities for egregious violations of the rules. Also included is an update to the use of the R-11 Return Reason Code.

Reversals
NACHA has updated the rule for Reversals, effective June 30, 2021.
This is what it means for you:
  • If you need to initiate a Reversal, use the same fields for the initial origination and place the word REVERSAL in all caps in the Company Entry Description Field. 
  • The rule also allows for a reversal due to a wrong date if a debit entry was posted prior to or a credit entry was posted after the intended date.
 
Enforcement
NACHA has updated the rule for Enforcement, effective January 1, 2021.
This is what it means for you:
  • Use of ACH origination in violation of the NACHA Rules in a willful or reckless action involving at least 500 entries or multiple entries totaling at least $500K will be considered an egregious violation. Such a violation would be reviewed by NACHA as a Class 2 or Class 3 Rules Violation.  The sanction for Class 3 violation may lead to fines up to $500,000 per occurrence and suspension of origination access.
 
Return Reason Code 
NACHA has updated the use of return reason code R-11.The rule re-purposes an existing, little-used return reason code (R11) that will be used when a receiving customer claims that there was an error with an otherwise authorized payment. Previously, return reason code R10 was used as catch-all for various types of underlying unauthorized return reasons, including some for which a valid authorization exists, such as a debit on the wrong date or for the wrong amount. In these types of cases, a return of the debit still should be made, but the Originator and its customer (the Receiver) might both benefit from a correction of the error rather than the termination of the origination authorization. The use of a distinct return reason code (R11) enables a return that conveys this new meaning of “error” rather than “no authorization.”

This has become effective in two phases with the second phase April 1, 2021:
  • An Originator that has received an R11 return may correct the error or defect in the original Entry, if possible, and Transmit a new Entry that conforms to the terms of the original authorization, without the need for re-authorization by the Receiver.
    • The new Entry must be Transmitted within 60 days from the Settlement Date of the Return Entry
    • The new Entry will not be treated as a Reinitiated Entry if the error or defect in the previous Entry has been corrected to conform to the terms of the original authorization

For more information or detail surrounding these or other NACHA rules, please visit https://www.nacha.org/rules/ or contact your Treasury Management teammate.

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.

Frequently Asked Questions

What do I do if I forgot my password?

Click on the Forget Password button on the Password screen after you have entered your Login ID. You will then be prompted to select a target to receive a Secure Access Code (SAC) to your phone or email. Then, enter the random 6 digit code you received on the SAC screen. You will then be prompted to change the password during your log in process. For further assistance, you may also contact Customer Support.     

Note: For your protection, your account will be locked out after 3 invalid password attempts. You will need to contact Customer Support to reset your password if your account has been locked. To contact Customer Support, please call 1-800-UCBANK1 (1-800-822-2651).

Who do I contact if I have questions about Treasury Management Products and Services?

For Treasury Management Banking Support:
Call us toll-free at 1-866-270-6100
Monday–Friday 8:30am–5:00pm
Or email us at ecorp@ucbi.com

Didn't find what you are looking for?

View All FAQs  or  Contact Us.

Learning Center

Rising Rates & Starting Your Business

We’ve all heard that rates are rising. But what does this mean for 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.
Read Article

Which is more important, Rate or APR?

By United Community Mortgage Services

When you start shopping for a new mortgage, there are two numbers you'll want to take a look at: the interest rate the lender is offering, and the annual percentage rate, or APR, that will come with that home loan.
Read Article

Tips for Your Business’s Next Build

By Jason Sleeman, National Craft Beverage Lender

As you probably know, construction is currently expensive and slow. We’ve seen recent projects double in cost from initial plans. Timeframes for getting architecture drawings and GC contracts have been up to 90-120 days. With all of this in mind, there are a few things you can do to ensure your next project is a success.
 
Read Article

1United Community Bank (“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.