TN 95 (02-18)
GN 02402.405 Coding Liberia Bank Data on the Master Beneficiary Record (MBR)
A. Background for coding Liberia bank data
This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Liberia. We store IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.
Special coding identifies the bank data as a Liberia direct deposit. The coding allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Liberia to the beneficiary's local FI.
Forward IDD requests received in a U.S. domestic (non-border) field office (FO) to the Office of Earnings and International Operations (OEIO), Division of International Operations (DIO) to process.
For detailed instructions on IDD requests and forwarding information, see:
B. How we receive IDD bank data
We receive requests to input bank data by mail, phone, or fax in the following formats:
If you receive information with discrepancies, see the following instructions:
C. Multi-country contract
The processing FI in Liberia has a 68 at the beginning of the routing transit number (RTN).
D. Overview of IDD for Liberia
IDD payments sent to Liberia must be in Liberian dollar (LRD) accounts at local FIs. The beneficiary must provide complete information to DIO or the federal benefits unit (FBU) for input. DIO faxes incomplete forms to the FBU that serves Liberia. The FBU contacts the beneficiary or FI for the additional information.
E. Description of Liberia IDD bank data
The data to code Liberia IDD originates from banks determined by the FRBKC. The bank data on the MBR consists of 27 characters including the country code “Y” designated for Liberia.
F. Procedure to code Liberia bank data
The FRBKC relies on us to provide 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 us. When you establish or change IDD bank data in one of our systems for Liberia (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:
1. Obtain SWIFT-BIC code 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-two country code (only letters);
Next two characters - location code (letters and digits) (passive participants have "1" in the second character); and
Last three characters - branch code, optional ('XXX' for primary office) (letters and digits).
2. Process initial award
You must update ITS.gov with the bank account information before you process the initial award to ensure the beneficiary receives 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 our systems
When you add or update IDD bank data using one of our systems (e.g. Post Entitlement Online System (POS), MACADE), you must:
update ITS.gov on the same day;
enter all POS direct deposit changes according to normal procedures;
use procedures outlined in the chart in this section when processing within four business days of the current operational month (COM) cutoff date.
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 LRD account in Liberia?
If no, STOP.
REASON: Beneficiaries in Liberia can only receive IDD
payments in LRD accounts.
The RTN is 680000161 for all IDD to Liberia. It contains the:
Do not obtain the check digit code from Title II Interactive Comps.
Code the account type:
“S” savings, or
If no account type, use a “C” for checking account.
Code depositor account number (DAN):
“Y” for Liberia
16-digit account number
You must enter all the information on the same business day into ITS.gov as listed in GN 02402.405F.
You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.
FRBKC rejects the payment and returns it to us when we do not send all required information.
G. Example of coding Liberia direct deposit
The customer provides us with a signup form for Liberia containing the account number: 1234567890123456
1. Derive the RTN
Enter the information for the RTN.
2. Derive the DAN
Code the DAN for Liberia:
a. Technician obtains the bank data
b. POS coding reflects
DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 680000161
ACCOUNT TYPE (C/S): C
DEPOSITOR ACCOUNT NUMBER: Y1234567890123456
CANCEL DIRECT DEPOSIT (Y):
DIRECT EXPRESS (Y):
c. The MBR reflects