United Community Bank Routing Number

Find United Community Bank routing numbers for ACH transfers, wire transfers, and direct deposit across Georgia, North Carolina, South Carolina, Tennessee, Florida, and Alabama.

Wire Transfer (Domestic)

061112843

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Wire Transfer (International)

061112843

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ACH Transfer

061112843

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Swift Code

UCOUUS33

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ACH routing numbers vary by state. See state-specific numbers below.

This is an informational resource from Nickel Payments

We are not affiliated with United Community Bank. Nickel supports secure transfers from United Community Bank and thousands of other banks. For official United Community Bank support, contact them directly.

United Community Bank Routing Number for All States

United Community Bank uses a single routing number for all customers across its six-state footprint. Whether you bank in Georgia, North Carolina, South Carolina, Tennessee, Florida, or Alabama, you'll use the same routing number for all transactions.

United Community Bank routing number: 061112843

This routing number works for:

- All United Community Bank branches in all states

- Direct deposit setup

- ACH transfers

- Bill payments

- Domestic wire transfers

- International wire transfers

- Check processing

United Community Bank Service Areas

As one of the largest full-service financial institutions in the Southeast, United Community Bank serves customers across six states with approximately 200 banking locations:

Georgia: United Community Bank's original home state with the largest branch network, serving communities including Atlanta, Athens, Blue Ridge, Blairsville, Brunswick, Buford, Canton, Cartersville, Columbus, Cumming, Dahlonega, Dalton, Duluth, Gainesville, Helen, Hiawassee, LaGrange, Marietta, Roswell, and many more.

North Carolina: Extensive presence throughout the state, including Asheville, Brevard, Bryson City, Charlotte, Clayton, Franklin, Hendersonville, Murphy, Raleigh, Sylva, Waynesville, and surrounding areas.

South Carolina: The bank's headquarters state, serving Charleston, Columbia, Greenville (corporate headquarters), Hilton Head, Myrtle Beach, Spartanburg, and many other communities.

Tennessee: Growing presence in major markets including Brentwood, Chattanooga, Hendersonville, Knoxville, Lenoir City, Nashville, and surrounding areas.

Florida: Serving the coastal regions including Jacksonville, Melbourne, Palm Bay, Port St. Lucie, Sebastian, Stuart, Vero Beach, and other Florida communities.

Alabama: The newest expansion state with select locations.

Why Does United Community Bank Use One Routing Number?

United Community Bank operates with a unified routing number system across all states. While the bank has grown significantly through mergers and acquisitions since its founding in 1950, it has consolidated its operations under a single routing number (061112843) to simplify banking for customers throughout the Southeast. This means you never have to worry about different routing numbers when moving between states or setting up payments.

Where to Find Your United Community Bank Routing Number

You can locate your routing number in several ways:

- Bottom left corner of your United Community Bank checks

- United Community Bank website (ucbi.com/routing-number)

- United mobile banking app under account details

- Online banking dashboard

- Monthly account statements

- Direct deposit forms

- Contact customer service at 1-800-UCBANK1 (1-800-822-2651)

Important Information

Everything you need to know before making a transfer

Avoid Common Mistakes

These errors cause most routing number problems

Using a routing number from the wrong state
Mixing up ACH and wire routing number
Entering your account number instead of routing number
Using an old routing number after a bank merger
Not updating routing number after moving states and opening a new account

Processing Times

Wire transfers: Same business day
ACH transfers: 1-3 business days
International wires: 3-5 business days

Security Tips

Routing numbers are public and safe to share
Never share your full account number publicly
Verify recipient details before sending money

Transaction Limits

Wire transfer limits vary by account type
ACH transfers may have daily limits
Contact bank for specific limit information

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How to Find Your United Community Bank Bank Routing Number

Multiple ways to locate your United Community Bank Bank routing number quickly

On Your Check

The routing number is the first 9 digits on the bottom left of your check, before your account number.

Online Banking

Log into your United Community Bank online banking and navigate to Account Details to view your routing number

Mobile App

Open the United Community Bank mobile app, select your account, and tap on Account Details to find your routing number.

Bank Statement

Your routing number is printed on your monthly bank statement, usually near your account information.

Contact Bank

Call United Community Bank customer service at 1-800-822-2651 for assistance finding your routing number.

Frequently Asked Questions About United Community Bank Routing Numbers

What is United Community Bank and why does it only have one routing number?

United Community Bank is one of the largest full-service financial institutions in the Southeast, with approximately $27.7 billion in assets and about 200 offices across six states (Alabama, Florida, Georgia, North Carolina, South Carolina, and Tennessee). Founded in 1950 in Blairsville, Georgia, as Union County Bank, the institution has grown significantly through strategic acquisitions while maintaining a customer-focused, relationship-oriented approach. The bank uses a single routing number (061112843) across all states to simplify banking operations and make it easier for customers to manage their accounts, regardless of where they live or bank within the six-state footprint.

Can I use the same routing number if I move to a different state within United Community Bank's service area?

Yes! One of the advantages of United Community Bank's single routing number system is that you can move anywhere within the six-state service area without changing your routing number. Whether you relocate from Georgia to North Carolina, Tennessee to Florida, or any other combination of states, your routing number remains 061112843. You won't need to update your direct deposits, automatic bill payments, or any other transactions that use your routing number.

What's the difference between ACH and wire routing numbers at United Community Bank?

United Community Bank uses the same routing number (061112843) for both ACH transfers and wire transfers. This makes setting up payments particularly simple since you don't need to remember different numbers for different transaction types. For domestic wire transfers, use 061112843. For international wire transfers, you'll need both the routing number (061112843) and United Community Bank's SWIFT code (UCOUUS33).

How do I receive an international wire transfer to my United Community Bank account?

To receive an international wire transfer, provide the sender with the following information: United Community Bank's SWIFT code (UCOUUS33), the routing number (061112843), the bank's address (125 Highway 515 East, Blairsville, GA 30512), your account number, and your name exactly as it appears on your account. International incoming wire transfers typically take up to 7 business days to credit to your account, and United Community Bank charges a $15 incoming international wire fee. Currency conversion rates may apply depending on the currency being sent.

Is United Community Bank the same as other banks with similar names?

United Community Bank (UCBI) headquartered in Greenville, South Carolina, is distinct from other banks with "United" or "Community" in their names. United Community Bank is the largest bank headquartered in South Carolina by total asset size and operates under the ticker symbol UCBI on NASDAQ. The bank also operates some branches under legacy names from acquired institutions, including Brown County State Bank, Golden State Bank, Marine Bank & Trust, Mercantile Bank, Farmers State Bank of Camp Point, Liberty Bank, and United Commonwealth Bank. All deposits at these locations are FDIC-insured under United Community Bank's certificate number 19459.

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