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Treasury Management Services

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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.
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Information Reporting

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

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

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.
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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.
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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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Merchant Services

Now you can accept payments from credit and debit cards and provide the payment flexibility your customers expect.
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Wire Transfers

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

Meet the Team

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Diane Becton

Vice President, Regional Treasury Solutions Consultant

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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

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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

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Learning Center

4 Strategies to Pay Off Your Mortgage Faster

By United Community Mortgage Services

If you’re a homeowner, your house payment is probably one of the highest bills you pay each month. So imagine what life would be like if you could eliminate that monthly expense.

Check out our four strategies to learn more about ways you could potentially pay off your mortgage years before you’re obligated to and, in the process, save thousands of dollars.1
 
Read Article

Protect Yourself from Cybercrime

Every 40 seconds, a new cyber-attack starts1. With cybercrime increasing every year, it’s more important than ever to make sure your personal information is secure.

Thankfully, you don’t need a degree in IT or complete knowledge of hacking methods to protect yourself. Small, simple actions will make an exponential difference in your personal security and decrease your risk for fraud.

Read Article

5 Things to Consider Before Buying a Second Home

By United Community Mortgage Services

I think it’s safe to say we’ve all spent more than our fair share of time at home lately. And that might have you thinking about buying that home on the lake, beachfront getaway or mountain retreat – somewhere you can quickly and easily get away for a few days (or even a few months!).

But before you make an offer on a second home, you need to do your research to make sure that investment really makes sense for you.
Read Article