Effective Dates: 1/17/2025 - Present

Identification Number:
GN 02402 TN 285
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Full 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. 285, 01/17/2025

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

Upon Receipt

Background

International Direct Deposit (IDD) service is a joint effort between our agency and the Federal Reserve Bank of Kansas City (FRBKC). Per instructions from the Department of the Treasury, we updated the requirements when coding bank data into ITS.gov for the country of Albania.

Summary of Changes

GN 02402.369 Coding Albania Bank Data on the Master Beneficiary Record (MBR)

Subsection F, we added the Society for Worldwide Interbank Financial Telecommunication (SWIFT) as a requirement when enrolling individuals into IDD for the country of Albania.

GN 02402.369 Coding Albania Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Albania 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 Albania. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the data as an Albania direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Albania 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 detailed instructions 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-OP48 International Direct Deposit Signup Form for Albania; or

  • •

    Any document that contains the required banking information.

If you receive information with discrepancies, see the following instructions:

C. Multi-country contract

The processing FI for Albania has a prefix of "71" at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “S” assigned for Albania.

D. Overview of IDD for Albania

IDD payments sent to Albania must be in U.S. dollar (USD) 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 Albania. The FBU contacts the beneficiary or FI for additional information.

E. Description of Albanian IDD bank data

The data for coding IDD for Albania will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN for Albania consists of up to 28 characters. However, the bank data reflected on the MBR will reflect up to 27 characters. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

F. Procedure for coding Albanian IDD bank data

The FRBKC relies on SSA 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.

You may establish or change IDD bank data for Albania using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

  • •

    first and last name of the beneficiary

  • •

    payee indicator

  • •

    enrollment status

  • •

    country

  • •

    account type

  • •

    account ownership

  • •

    8-digit bank code

  • •

    Society for Worldwide Interbank Financial Telecommunication - Business Identifier Code (SWIFT-BIC)

  • •

    IBAN

  • •

    beneficiary address; (no P.O. box address allowed)

  • •

    bank name

  • •

    bank address

  • •

    reclamation country

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

Secure the beneficiary’s name, address, full IBAN, bank name, and bank address at the time of filing. The FBU inputs an initial IDD claim if the beneficiary elects the option of direct deposit. All initial IDD claims that an FBU takes for Albania require input into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day. You must complete all initial claims that the International Benefits Office (IBO) takes. You must input all initial claims involving Albanian IDD into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day.

NOTE: If there is dire need or hardship involved, advise the beneficiary of the option of initiating payment via a paper check. Inform the beneficiary that the bank may charge for cashing the check. If the beneficiary chooses the option of paper check, the FBU documents and processes the initial claim.

3. Add or update bank data using SSA systems

When you add or update IDD bank data using an SSA 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 procedures outlined in the following chart when processing 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 USD account in Albania? If no, STOP.

REASON: Beneficiaries in Albania can only receive IDD payments in USD accounts.

If yes, go to step 4

4

Code the RTN (9 digits in total) as follows:

  • •

    Start with 71, the prefix SSA has designated for Albanian IDD.

  • •

    Code the first 6 digits of the bank code

  • •

    Code the 1-digit check code (obtain through Title II Interactive Comps)

    NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

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

Code the DAN as follows:

  • •

    Start with a country code of "S" designated for Albania.

  • •

    Code the last 2 digits of the bank code.

  • •

    Code the Customer Account Number (up to 14 digits).

7

 You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.369F.

You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.

REMINDER: When information is not available, FRBKC rejects the payment and returns it to our agency.

G. Example of coding Albania direct deposit

The customer provides us with the signup form for Albania containing the account number:  "AL47212110090000000235698741"

  • •

    The first two characters of an Albanian IBAN are “AL,” which represents the International Organization for Standardization (ISO) country code.

  • •

    The third and fourth characters of the IBAN are the IBAN check digits. The technicians should never code the IBAN ISO country code or the check digit to the MBR.

  • •

    The next 8 characters of the IBAN represent the 8-digit bank code.

  • •

    The last 16 characters represent the 16-digit account number.

1. Derive the RTN

The technician codes the RTN.

  • •

    Code the prefix of 71;

  • •

    Code the first 6 digits of the 8-digit bank code “212110”;

  • •

    Code the 1-digit check code (i.e., 7) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16); and

  • •

    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

The technicians codes the DAN.

  • •

    Start with a country code of "S" designated for Albania;

  • •

    Code the last 2 digits of the bank code “09”;

  • •

    Code the first 14 digits of the 16-digit account number “00000002356987”

3. Obtain the following information

  • •

    RTN: 712121107

  • •

    Checking

  • •

    DAN: S0900000002356987

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 712121107

    ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: S0900000002356987

  • •

    CANCEL DIRECT DEPOSIT (Y):

b. The MBR reflects the following information

  • •

    RTN-712121107

  • •

    DAN- CS0900000002356987

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 285 - Direct Deposit - Title II and Title XVI - 1/17/2025