Identification Number:
GN 02402 TN 155
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Transmittals
Program:All Programs
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM
Part GN – General
Chapter 024 – Checks
Subchapter 02 – Direct Deposit - Title II and Title XVI
Transmittal No. 155, 01/10/2020

Audience

PSC: BA, CA, CCRE, CS, DS, ICDS, IES, ILPDS, IPDS, ISRA, PETE, RECONR, SCPS, TSA, TST;
OCO-OEIO: BIES, BTE, CCRE, CR, CTE, FCR, PETL, RECOVR;
OCO-ODO: BTE, CCE, CR, CST, CTE, EHI, LCC, LSC, PAS, PCS, PETL, RC, RCOVTA, RECONR, RECOVR;
FO/TSC: CS, CS TII, CS TXVI, CSR, CTE, FR, OA, OS, RR, TA, TSC-CSR;

Originating Component

OFPO

Effective Date

01/09/2020

Background

We are submitting this request as a Quick Action Transmittal according to AO 40305.013. We are making a policy clarification concerning the 18 character account number input already required for Gambia international direct deposit (IDD) mentioned in section F of this policy. We are making this clarification based on an inquiry we received from the Office of Earnings and International Operations. We are not changing policy as we already require an 18 character account number input for Gambia IDD.

 

Summary of Changes

GN 02402.427 Coding Gambia Bank Data on the Master Beneficiary Record (MBR)

Section F - Removed the word "to" in the second bullet of step 6 in the chart because it is a typo. We added a parenthetical statement in step 6 to clarify the 18 character account number input.

 

GN 02402.427 Coding Gambia Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Gambia 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 Gambia. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit. Special coding identifies the bank data as a Gambia direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Gambia 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 detail on IDD requests and forwarding information, see:

  • GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • GN 02402.205 Direct Deposit Enrollment Outside the U.S.

  • GN 01010.255 Adjudication of Foreign Claims

  • GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

B. How we receive IDD bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

  • Blank check;

  • SSA-1199-OP108 International Direct Deposit Signup Form for Gambia; or

Any document that contains required banking information. If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processing FI in Gambia has a prefix of “72” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “B” assigned for Gambia.

D. Overview of IDD for Gambia

IDD payments sent to Gambia must be in Gambian Dalasi (GMD) 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 Gambia. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for Gambia

The data to code IDD for Gambia comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of B.

F. Policy to code bank data for Gambia

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 us. When you use our system to establish or change IDD bank data for Gambia (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:

  • account ownership;

  • account type;

  • account number:

  • beneficiary address;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

  • Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC).

NOTE: 

The bank, branch, account number radio button is required.

1. Obtain SWIFT-BIC code from the FI

The SWIFT code consists of the following 8 to 11 alphanumeric 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 participant have "1" in the second character); and

  • Last three characters - branch code, optional ('XXX' for primary office) (letters and digits).

2. Process initial award

Prior to processing an initial award, you must update ITS.gov with the bank account information 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 our systems

When you add or update IDD bank data using our system (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 the chart in this section when you process within four business days of the current operational month (COM) cutoff date.

Step Action
1

Are you coding an initial claim?

If yes, go to step 3.

If no, go to step 2.

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.

3

Is the beneficiary's account a GMD account in Gambia? If no, STOP.

REASON: Beneficiaries in Gambia can only receive IDD payments in GMD accounts.

If yes, go to step 4.

4 The RTN is 720000089 for all IDD in Gambia. SSA and FRBKC have designated “72” as the multi-country prefix for Gambia IDD. The “9” at the end of the RTN represents the U.S. check digit code for all IDD accounts in Gambia. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.
5

Code the account type:

• “S” for savings, or

• “C” for checking.

If the beneficiary does not indicate an account type, use a “C” for checking account.

6

To code the Depositor Account Number (DAN) for Gambia, code:

• “B” designated for Gambia,

• the first 16 digits of the 18-digit BBAN account number (use leading zeros if the BBAN is less than 18-digits)

7

You must take action on the same business day to enter all the information into ITS.gov as listed in the introduction of GN 02402.427F in this section.

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 bank data for Gambia

The customer provides us with a signup form for Gambia containing the account number: 123456789011223344

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 720000089

  • Code the type of account as a “C” for checking or an “S” for savings. If no account type indicated, use a “C” for checking.

2. Derive the DAN

Code the DAN for Gambia

  • Start with the country code of “B” designated for Gambia; and

  • Code first 16 digits of the 18-digit BBAN Customer Account Number “1234567890112233”

a. You must obtain this information

  • RTN: 720000089

  • Checking

  • DAN: B1234567890112233

b. The POS coding reflects this information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 720000089

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: B1234567890112233

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

c. The MBR reflects this information

  • RTN: 720000089

  • DAN: CB1234567890112233

H. References

  • GN 00203.020 Identity of Claimants

  • GN 01010.255 Adjudication of Foreign Claims

  • GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

  • GN 02402.025 Direct Deposit Post Entitlement Interview

  • GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • GN 02402.205 Direct Deposit Enrollment Outside the U.S.

  • ITS.gov International Treasury Services (U.S. Treasury system)


GN 02402 TN 155 - Direct Deposit - Title II and Title XVI - 1/09/2020