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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. 

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.

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. 
 

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