ACH US Routing Number – UNITED COMMUNITY BANK
| Routing Number | Address | City | State | |
| 1 | 053111674 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 2 | 053201186 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 3 | 053208095 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 4 | 061003787 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 5 | 061019674 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 6 | 061101333 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 7 | 061102701 | 63 HWY 515 | BLAIRSVILLE | GA |
| 8 | 061103454 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 9 | 061104084 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 10 | 061104518 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 11 | 061104958 | P.O BOX 398 | BLAIRSVILLE | GA |
| 12 | 061105232 | P O BOX 398 | BLAIRSVILLE | GA |
| 13 | 061105999 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 14 | 061112843 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 15 | 061113017 | P O BOX 398 | BLAIRSVILLE | GA |
| 16 | 061119464 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 17 | 061119493 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 18 | 061119875 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 19 | 061119901 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 20 | 061120291 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 21 | 064201243 | 63 HIGWAY 515 | BLAIRSVILLE | GA |
| 22 | 064203979 | 63 HIGHWAY 515 | BLAIRSVILLE | GA |
| 23 | 065401107 | 103 ACADIA DR | RACELAND | LA |
| 24 | 065405226 | 103 ACADIA DR | RACELAND | LA |
| 25 | 071119865 | P O BOX 80 | AUBURN | IL |
| 26 | 071126531 | P.O. BOX 80 | AUDURN | IL |
| 27 | 073921323 | 1000 OKOBOJI AVE | MILFORD | IA |
| 28 | 075904238 | PO BOX 67 | POYNETTE | WI |
| 29 | 075906524 | P O BOX 67 | POYNETTE | WI |
| 30 | 081206496 | PO BOX 80 | AUBURN | IL |
| 31 | 081210314 | PO BOX 80 | AUBURN | IL |
| 32 | 081227129 | 200 N FIFTH ST | AUBURN | IL |
| 33 | 083908381 | P.O. BOX 209 | MORGANFIELD | KY |
| 34 | 091210074 | PO BOX 249 | PERHAM | MN |
| 35 | 261190649 | P.O. BOX 398 | BLAIRSVILLE | GA |
| 36 | 274970584 | 215W. EADS PKWY | LAWRENCEBURG | IN |
What is the ACH US Routing Number for United Community Bank?
The ACH routing number for United Community Bank is 053111674 Example(See Table above to get accurate Routing number). This 9-digit number identifies United Community Bank ad allows for the electronic transfer of funds to and from accounts held at the bank. Knowing this routing number is essential for setting up direct deposits or linking accounts held at United Community Bank to digital payment services.
What is an ACH Routing Number?
An ACH routing number is a 9-digit code that identifies financial institutions in the United States as part of the Automated Clearing House (ACH) network. The ACH network facilitates the electronic transfer of funds between banks to complete various money transfer transactions.
Routing numbers allow banks to identify where to send money transfers when transactions are requested electronically rather than using paper checks or cash. The routing number provides instructions for the ACH network to deliver money transfers to the correct financial institution.
Structure of an ACH Routing Number
ACH routing numbers follow a specific format set by the American Bankers Association:
- Federal Reserve Routing Symbol – The first 2 digits identify the Federal Reserve district branch the bank belongs to. This represents the processing center that handles transfers for the bank.
- ABA Institution Identifier – The next 7 digits identify the specific bank within the Federal Reserve district. This number is assigned by the American Bankers Association (ABA).
- Check Digit – The final digit is a check digit used to validate the routing number. It is mathematically determined from the other digits.
Components of an ACH Routing Number
To understand the meaning behind the 9 digits that make up an ACH routing number, it helps to break it down into its distinct components:
Federal Reserve Routing Symbol
The first two digits of the ACH routing number represent the Federal Reserve routing symbol. This identifies which Federal Reserve Bank processes payments for the financial institution. The US is divided into 12 districts, each with its own Federal Reserve branch.
For United Community Bank, the routing symbol is 06, meaning its payments are processed through the Federal Reserve Bank of Atlanta.
ABA Institution Identifier
The next seven digits, known as the ABA institution identifier, indicate the specific bank. For financial institutions that are members of the American Bankers Association (ABA), this number is assigned by the ABA.
The ABA institution identifier for United Community Bank is 3213769. This unique set of digits identifies United Community Bank specifically.
Check Digit
The last digit of the routing number is called the check digit. It is determined mathematically from the other digits using a formula called the DAM algorithm.
The check digit allows systems to catch errors when processing transfers. It validates the accuracy of the full routing number.
For United Community Bank’s routing number 063213769, the check digit is 9.
About United Community Bank
United Community Bank is a regional bank that serves customers primarily in Georgia, Tennessee, North Carolina, and South Carolina. Understanding United Community Bank’s background provides helpful context on its routing number and how payments flow through the bank.
History and Overview
United Community Bank was originally chartered in 1950 under the name Union County Bank. Over the decades, the bank expanded through mergers and acquisitions with other regional banks in the Southeast.
Today, United Community Bank has over $18 billion in assets and operates 150 branch locations across its four-state footprint. The bank offers a full range of banking services for personal and business customers.
Locations and Services
United Community Bank maintains branch locations across Georgia, Tennessee, North Carolina, and South Carolina. The bank’s corporate headquarters is located in Blairsville, Georgia.
Key services provided by United Community Bank include checking and savings accounts, mortgages, home equity loans, commercial lending, credit cards, and wealth management. The bank also offers robust online and mobile banking technology.
United Community Bank’s ACH Routing Number
United Community Bank’s routing number allows for the efficient transfer of funds to and from the bank through the ACH network. The 9-digit code 063213769 uniquely identifies United Community Bank within that electronic system.
Uses for United Community Bank’s Routing Number
United Community Bank’s ACH routing number can be used in a couple key ways:
Setting up Direct Deposit
Providing United Community Bank’s routing number along with your account number enables an employer or other external payer to set up direct deposit. This allows funds to be automatically deposited into your United Community Bank account.
Making Electronic Payments
The routing number also allows payment services to pull funds directly from a United Community Bank account. Providing the routing number when setting up payments authorizes drafts or debits from your account to pay bills online or send money transfers.
How to Find the Routing Number
United Community Bank’s routing number can be found in a few places:
On a Check
The ACH routing number appears on the bottom of checks issued for United Community Bank accounts. It is the set of nine digits between two symbols at the far left.
Online Banking Site
When logged into online or mobile banking with United Community Bank, the routing number is listed on the account details page or in the electronic services setup areas.
Contacting United Community Bank
Customers can also call or visit a United Community Bank branch to get the routing number. Bank representatives can provide the correct 9-digit code upon request.
Tips for Using United Community Bank’s Routing Number
When utilizing United Community Bank’s routing number for setting up electronic payments, keep a few tips in mind:
Confirm Accuracy
Double-check that you have the correct ACH routing number for United Community Bank before submitting any authorization forms. Entering an incorrect number may cause payment issues.
Keep Number Secure
Treat the routing number like any other sensitive financial information. Do not post it publicly or share it unless required.
Avoid Sharing Publicly
Refrain from posting the United Community Bank routing number on social media or other public forums. This helps protect against potential misuse.
Monitor Accounts Regularly
Routinely log in to your United Community Bank accounts to check recent transactions. This can help identify any suspicious activity if the routing number is compromised.
Reasons for Payment Delays or Rejection
On rare occasions, an ACH transfer using UNITED COMMUNITY BANK’s routing number may run into issues. Here are some reasons why:
- Incorrect routing number – If even one digit is wrong, the funds can get misdirected. Always double check the accuracy.
- Insufficient funds – There needs to be enough money in the account to cover the amount of the transaction.
- Accountholder verification – Banks will reject payments to accounts that don’t match the name for fraud protection.
- Hold on account – If there are pending disputes or fraud investigations, the bank may temporarily block ACH transfers.
- Payment stopped – Recipients have the right to stop a pending ACH payment within 3 business days.
If a payment is delayed or rejected,
Safety Tips for ACH Payments
When using ACH transfers, keep these safety tips in mind:
- Verify recipients – Double check account numbers and routing numbers entered are correct before sending money.
- Watch out for scams – Never provide your routing number or account details to unknown people.
- Check pending transfers – Monitor your account to ensure payments are processing on time.
- Set transfer limits – Limit the amount of money that can be withdrawn via ACH as a precaution.
- Use fraud monitoring – Sign up for account alerts to detect suspicious activity.
Following basic security measures helps prevent issues and ensure successful ACH transfers. Report any unauthorized transactions to UNITED COMMUNITY BANK immediately.
The Bottom Line
Knowing your 9-digit ACH routing number is required for fast, convenient electronic payments and transfers. UNITED COMMUNITY BANK customers can locate their number on checks, online, or by contacting the bank.
Entering the accurate routing number along with your account number allows you to securely send and deposit funds electronically. Keep UNITED COMMUNITY BANK’s ACH routing number – 071905779(see the Table Above) – handy any time you need to set up direct deposit or make an electronic payment from your account.
Frequently Asked Questions
- Can I use United Community Bank’s routing number for wire transfers?
No, wire transfers require a different banking code, commonly referred to as a SWIFT code. United Community Bank’s routing number is specifically for ACH network electronic funds transfers. - Where can I find the routing number on a check? The routing number appears at the bottom left corner of a check. It is the nine digit code surrounded by symbols that comes before the account number.
- Do I need to include the check digit at the end when entering the routing number? Yes, it is important to enter the full 9-digit routing number, including the check digit. This allows systems to validate the accuracy of the entire code.
- What happens if I enter the wrong routing number when setting up a payment? Any payments or direct deposits will fail or be delayed if submitted with an incorrect routing number. Always verify United Community Bank’s number before authorizing any financial service.
- Can I use the routing number for international transfers? No, United Community Bank’s ACH routing number is for domestic transfers only within the United States. International electronic payments require additional information like IBAN and SWIFT codes.
Conclusion
United Community Bank’s routing number is a key piece of information for sending and receiving ACH transfers to accounts at the bank. By properly utilizing the 9-digit code 053111674 is an Example (See Table above to get accurate Routing number), customers can securely link their accounts for services like direct deposit and online bill pay. Understanding what the routing number signifies and where to find it enables seamless connectivity within the electronic funds transfer system.