TN 82 (10-17)
GN 02402.372 Coding China Bank Data on the Master Beneficiary Record (MBR)
This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in China. We store IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as a China direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas (FRBKC) and the processor bank in China to the beneficiary's local FI. If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to the Office of Earnings and International Operations (OEIO), Division of International Operations (DIO) to process.
For more detail on IDD requests and forwarding information, see
A. How we receive IDD bank data
We receive requests to input bank data by mail, phone, or fax in the form of:
NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.
B. Multi-country contract
The processing FI for China has a prefix of 71 at the beginning of the Routing Transit Number (RTN).
C. Overview of IDD for China
The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves China. The FBU contacts the beneficiary or FI for additional information.
D. Description of China IDD bank data
The data for coding IDD for China comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 27 characters including the country code of “I” for China.
E. Policy to code China IDD bank data
The FRBKC relies on us to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to our agency. When you establish or change IDD bank data for China through an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.), you must go to ITS.gov to enter:
beneficiary first and last name;
passport or local ID (enter in the beneficiary ID field);
beneficiary telephone number;
China National Advanced Payment System (CNAPS) code (enter in the Country Bank Info field);
payee indicator; and
Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).
1. Swift-BIC code obtained from the FI
The SWIFT code contains a minimum of 8 characters, and a maximum of 11 characters:
first four characters - bank code (only letters);
next two characters - ISO 3166-1 alpha 2 country code (only letters);
next two characters - location code (letters and digits) (passive participant have "1" in the second character); and
last three characters - branch code, optional ('XXX' for primary office) (letters and digits).
2. Initial award processing
If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to us.
3. Add or update bank data using SSA systems
You must update ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for China within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:
Are you coding an initial claim?
If yes, go to step 3.
If no, go to step 2.
Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)?
If no, STOP.
REASON: The MBR does not accept the IDD information unless the address is in a foreign country.
If yes, go to step 3.
Is the beneficiary's account a USD account in China?
If no, STOP.
REASON: Beneficiaries in China can only receive IDD payments in USD accounts.
If yes, go to step 4
The RTN is 710000015 for all IDD to China. SSA and FRBKC designated “71” as the multi-country prefix for China IDD. The “5” in the RTN represents the U.S. check digit code for all IDD accounts in China. Therefore, do not obtain the check digit code from Title II Interactive Comps.
Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.
Code the Depositor Account number (DAN) for China:
Start with the country code of “I” designated for China
Code the Customer Account Number, up to 16 characters of the 19-digit account number.
You must take action on the same business day to update the full SWIFT into ITS.gov, along with the information listed in the introduction of GN 02402.372E in this section.
If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov. FRBKC sends the bank information with the payment to its processor bank. When this information is not available, FRBKC rejects the payment and returns it to our agency.
F. Example of coding China direct deposit
The customer provides us with a signup form for China containing the following information:
Account Number 1234567890123456789
1. Derive the RTN
The technician enters the information for the RTN.
2. Derive the DAN
The technician codes the DAN.
a. The technician obtains the bank information
b. The coding in an SSA system reflects the bank data
DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000015
ACCOUNT TYPE (C/S): C
DEPOSITOR ACCOUNT NUMBER: I1234567890123456
CANCEL DIRECT DEPOSIT (Y):
DIRECT EXPRESS (Y):
c. The MBR reflects the bank data
RTN- 710000015 DAN- CI1234567890123456