Identification Number:
GN 02402 TN 182
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Transmittals
Program:Title II (RSI),Title XVI (SSI)
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM
Part GN – General
Chapter 024 – Checks
Subchapter 02 – Direct Deposit - Title II and Title XVI
Transmittal No. 182, 01/25/2021

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 updated instructions received from Fiscal Services, the country of Egypt is converting to IBAN and Cayman Islands is requiring a SWIFT instead of bank and branch to enroll beneficiaries.

Summary of Changes

GN 02402.318 Coding Cayman Islands Bank Data for the MBR

Subsection F, We updated the enrollment instructions to reflect the SWIFT requirement.

Subsection G, We updated the enrollment instructions. to reflect the SWIFT requirement.

GN 02402.354 Coding Egyptian Bank Data on the Master Beneficiary Records (MBR)

Subsection F, We updated the enrollment instructions to reflect the IBAN requirement.

Subsection G, We updated the enrollment instructions to reflect the IBAN requirements.

GN 02402.318 Coding Cayman Islands Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Cayman Islands 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 Cayman Islands. 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 Cayman Islands direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Cayman Islands 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-OP8 International Direct Deposit Signup Form for Cayman Islands; 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 Cayman Islands will have a prefix of “70” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “H” assigned for Cayman Islands.

D. Overview of IDD for Cayman Islands

IDD payments sent to Cayman Islands must be in Cayman Islands dollar (KYD) 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 Cayman Islands. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for Cayman Islands

The data for coding IDD for Cayman Islands comes from banks determined by the FRBKC. The bank data on the MBR reflects 12 characters including the country code of H.

F. Policy to code bank data for Cayman Islands

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 Cayman Islands (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;

  • reclamation country;

  • central bank code input to country bank info;

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

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 using the bank account information prior to processing 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 our agency.

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:

  • 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 Cayman Islands?

    If no, STOP.

    REASON: Beneficiaries in Cayman Islands can only receive IDD payments in KYD accounts.

    4

    The RTN is 700000096 RTN for Cayman Islands. It contains the:

    • Multi-country prefix for Cayman Islands IDD is “70”

    • U.S. check digit code of “6” for all IDD accounts in Cayman Islands (at the end of the RTN).

    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 Cayman Islands, code:

    • “H” is designated for Cayman Islands,

    • 12-digit account number.

    7

    You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.318F 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 direct deposit for Cayman Islands

The customer provides us with a signup form for Cayman Islands containing the account number: “123456789011.”

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 700000096

  • 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 Cayman Islands .

  • Start with the country code of “H” designated for Cayman Islands ; and

  • Code the 12-digit account number “123456789011”

a. You must obtain the following:

  • RTN: 700000096

  • Checking

  • DAN: H123456789011

b. The POS coding reflects this information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000096 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: H123456789011

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

c. The MBR reflects this information

  • RTN-700000096

  • DAN-CH123456789011

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 02402.354 Coding Egyptian Bank Data on the Master Beneficiary Records (MBR)

A. Background for coding Egyptian 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 Cayman Islands. 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 an Egyptian direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Egypt 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 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-OP33 International Direct Deposit Signup Form for Egypt; or

  • Any document containing required banking information.

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

C. Overview of IDD for Egypt

IDD payments sent to Egypt must be in Egyptian pound (EGP) 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 that territory. The FBU contacts the beneficiary or FI for the additional information.

D. Description of Egyptian IDD bank data

The data to code IDD for Egypt comes from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The bank data on the MBR reflects 27 characters including the country code of P.

E. Procedure for coding Egyptian 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 our agency.

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

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

  • account ownership;

  • account type;

  • beneficiary address;

  • beneficiary phone number;

  • country;

  • enrollment status;

  • first and last name of beneficiary;

  • bank name and address;

  • IBAN

  • payee indicator;

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

1. Process initial award

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 will receive his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment will reject and return to SSA.

2. Add or update bank data using SSA systems

If you use an SSA system (i.e., POS, MACADE) to add or update bank data to an MBR, do not input the bank account information into ITS.gov as the information will transfer to ITS.gov on the next business day.

NOTE: If you are updating bank data within four business days of the current operational month (COM) cut-off date, use the procedure outlined below to code bank data to the MBR using an SSA system.

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

To derive the 9-digit RTN for Egypt:

  • Start with 66 (the multi-country prefix SSA and FRBKC have designated to use for Egypt IDD).

  • Code the two filler zeros “00”.

  • Code the four-digit bank code based on FI name after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.354G of Egyptian Bank Codes.

  • Code the check digit code of the RTN, which you will 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.

4

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.

5

For the first character of the DAN field, code a “P” followed by the 16-digit account number.

NOTE: SSA does not have IDD for U.S. dollar accounts in Egypt.

F. Example of coding Egyptian direct deposit

The customer provides us with a signup form for Egypt containing the following account number: EG380019000500000000263180002

  • The first character of IBAN is “EG,” represent the International Organization for Standardization (ISO) country code.

  • The third and fourth characters of the IBAN are the IBAN check digit. Never code the IBAN country code or check digit to the MBR.

  • The fifth through eight characters of the IBAN represents the bank code.

  • The ninth through twelve characters of the IBAN represents the branch code.

  • The last 17 digits of the IBAN represent the account number.

1. Derive the RTN:

  • Code the prefix of 66 (the multi-country prefix for Egypt);

  • Code the two filler zeros “00”;

  • Code the four-digit bank code of “1004” based on FI name (see the listing in GN 02402.354G of Egyptian bank codes);

  • Code the one-digit check code, which is 8 in this example (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

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

2. Derive the DAN:

The technician codes the DAN:

  • Start with country code “P” designated for Egypt; and

  • Code 16 digits of the 17-digit Account Number “0000000026318000”

The coder will obtain the following:

RTN: 660010048

Checking

DAN: P0000000026318000

The coding in POS will reflect:

DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660010048

ACCOUNT TYPE (C/S): C

DEPOSITOR ACCOUNT NUMBER: P0000000026318000

CANCEL DIRECT DEPOSIT (Y):

DIRECT EXPRESS (Y):

The MBR will reflect the following information:

RTN-660010048 DAN- CP0000000026318000

NOTE: The C in the DAN means that the account is a checking account.

G. Exhibit of Form SSA-1199-OP33

To view this form click on: SSA-1199-OP33

H. Egyptian Bank Codes


GN 02402 TN 182 - Direct Deposit - Title II and Title XVI - 1/25/2021