United Community Bank NACHA file requirements
United Community Bank accepts NACHA-format ACH files through United's business online banking. The bank calls the feature "ACH file upload / Direct Send transmission". Here is what its published documentation requires.
Independent documentation. Not affiliated with or endorsed by United Community Bank.
Before you upload, run the file through the free ACH file validator. It checks the structural rules and United Community Bank's documented quirks in your browser; the file never leaves your computer.
How United Community Bank ACH file upload works
- One guide covers both operations and full record layouts, with a color-coded sample file.
- Immediate destination is a space then 061112843, name "UNITED COMMUNITY BANK"; immediate origin is your Tax ID preceded by a predetermined value, normally a 1.
- Cutoffs: files by 6:00 pm ET at least one banking day before the effective date; the bank recommends two days. Same-day settlement closes 2:00 pm ET.
- Stale or invalid effective dates settle at the earliest opportunity, possibly same day with fees.
- Prenotes are optional; if sent, at least 3 banking days before the first live entry.
- Seven SEC codes (ARC, BOC, IAT, POP, RCK, TEL, WEB) require an additional written agreement.
- Reversals must carry the word REVERSAL in the company entry description.
Source: Transcribed from the bank's own published specification: United Community Bank ACH Origination + NACHA Formatting Guide, April 2024 (checked July 2026). Reference. Banks change their requirements; your bank agreement and portal are the authoritative reference.
What to confirm with your United Community Bank treasury contact
Four values are assigned per customer and only the bank can tell you them: your Company ID (often not just your EIN), the exact immediate origin value they expect in the file header, whether your agreement is set up for balanced or unbalanced files, and your cutoff times and settlement option. Get them in writing before the first upload.
Building the file
Most accounting software, including QuickBooks and Sage 50, cannot export a NACHA file directly. If your system exports one and United Community Bank still rejects it, the validator will usually name the exact line and field. If the reason will not yield, the format setup service works it out with you. This software formats and checks files only. It moves no money; funds move solely through your own bank under your agreement with them.