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  <xs:element id="ucbi_PaymentDelayAndExtensionMember" abstract="true" name="PaymentDelayAndExtensionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_RateReductionPaymentDelayAndExtensionMember" abstract="true" name="RateReductionPaymentDelayAndExtensionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability" abstract="false" name="FinancingReceivableAllowanceForCreditLossExcludingAccruedInterestAndOffBalanceSheetCreditLossLiability" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteoff" abstract="false" name="FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityWriteoff" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery" abstract="false" name="FinancingReceivableAllowanceForCreditLossAndOffBalanceSheetCreditLossLiabilityRecovery" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_InterestRateContractSubordinatedDebtMember" abstract="true" name="InterestRateContractSubordinatedDebtMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_TrustPreferredSecuritiesHedgeMember" abstract="true" name="TrustPreferredSecuritiesHedgeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_CustomerSwapPositionMember" abstract="true" name="CustomerSwapPositionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_DealerOffsetToCustomerSwapPositionMember" abstract="true" name="DealerOffsetToCustomerSwapPositionMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_RiskParticipationsMember" abstract="true" name="RiskParticipationsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MortgageBankingLoanCommitmentMember" abstract="true" name="MortgageBankingLoanCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MortgageBankingForwardSalesCommitmentMember" abstract="true" name="MortgageBankingForwardSalesCommitmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_BifurcatedEmbeddedDerivativeMember" abstract="true" name="BifurcatedEmbeddedDerivativeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_DealerOffsetsToBifurcatedEmbeddedDerivativesMember" abstract="true" name="DealerOffsetsToBifurcatedEmbeddedDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_OtherNoninterestIncomeMember" abstract="true" name="OtherNoninterestIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_LoansAndLeasesHeldForInvestmentMember" abstract="true" name="LoansAndLeasesHeldForInvestmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_CustomerDerivativesAndDealerOffsetsMember" abstract="true" name="CustomerDerivativesAndDealerOffsetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_BifurcatedEmbeddedDerivativesAndDealerOffsetsMember" abstract="true" name="BifurcatedEmbeddedDerivativesAndDealerOffsetsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MortgageBankingDerivativesMember" abstract="true" name="MortgageBankingDerivativesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MutualFundsForAssets" abstract="false" name="MutualFundsForAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_ResidentialMortgageServicingAssetAtFairValueAmount" abstract="false" name="ResidentialMortgageServicingAssetAtFairValueAmount" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_ContingentConsiderationReceivable" abstract="false" name="ContingentConsiderationReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_TradingSecuritiesExcludingAccruedInternetFairValueDisclosure" abstract="false" name="TradingSecuritiesExcludingAccruedInternetFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_ResidentialMortgageServicingRightsMember" abstract="true" name="ResidentialMortgageServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_DerivativeAssetsMortgageMember" abstract="true" name="DerivativeAssetsMortgageMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_ContingentConsiderationReceivableMember" abstract="true" name="ContingentConsiderationReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MeasurementInputPullThroughRateMember" abstract="true" name="MeasurementInputPullThroughRateMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_MeasurementInputProbabilityOfAchievementMember" abstract="true" name="MeasurementInputProbabilityOfAchievementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_ResidentialMortgageServicingAssetMeasurementInput" abstract="false" name="ResidentialMortgageServicingAssetMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ucbi_ContingentConsiderationReceivableAssetMeasurementInput" abstract="false" name="ContingentConsiderationReceivableAssetMeasurementInput" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:decimalItemType"/>
  <xs:element id="ucbi_DerivativeAssetMember" abstract="true" name="DerivativeAssetMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_SBAServicingRightsMember" abstract="true" name="SBAServicingRightsMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisAssetSalesAndSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySalesAndSettlements" abstract="false" name="FairValueMeasurementWithUnobservableInputsReconciliationRecurringBasisLiabilitySalesAndSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_MortgageLoansHeldForSaleAbstract" abstract="true" name="MortgageLoansHeldForSaleAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="ucbi_MortgageLoansHeldForSaleOutstandingPrincipalBalance" abstract="false" name="MortgageLoansHeldForSaleOutstandingPrincipalBalance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_LoansHeldForInvestmentAfterNonrecurringFairValueAdjustmentCarryingValue" abstract="false" name="LoansHeldForInvestmentAfterNonrecurringFairValueAdjustmentCarryingValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_AccumulatedAmortizationOfLossesIncludedInNetIncomeOnAvailableForSaleSecuritiesTransferredToHeldToMaturityParentMember" abstract="true" name="AccumulatedAmortizationOfLossesIncludedInNetIncomeOnAvailableForSaleSecuritiesTransferredToHeldToMaturityParentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_PeachStateMergerAnnouncementMember" abstract="true" name="PeachStateMergerAnnouncementMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_TwoThousandTwentyEightSubordinatedDebenturesMember" abstract="true" name="TwoThousandTwentyEightSubordinatedDebenturesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="ucbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="ucbi_BusinessCombinationConsiderationTransferredEquityInterestShareIssuedProrationToReceiveStockConsideration" abstract="false" name="BusinessCombinationConsiderationTransferredEquityInterestShareIssuedProrationToReceiveStockConsideration" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
  <xs:element id="ucbi_BusinessCombinationConsiderationTransferredEquityInterestShareIssuedProrationToReceiveCashConsideration" abstract="false" name="BusinessCombinationConsiderationTransferredEquityInterestShareIssuedProrationToReceiveCashConsideration" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:pureItemType"/>
</xs:schema>
