Identification Number:
GN 02402 TN 256
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. 256, 02/01/2024

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). We formatted the enrollment instructions per plain language guidelines for accuracy and consistency within out POMS.

 

Summary of Changes

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

Subsection E, we formatted the paragraphs per plain language guidelines.

Subsection F, we updated the account number length and formatted the paragraphs per plain language guidelines.

Subsection H, we added a reference section.

 

GN 02402.357 Coding Croatian Bank Data on the Master Beneficiary Records (MBR)

Subsection A, we formatted the paragraphs per plain language guidelines.

Subsection H, we added a reference section.

 

GN 02402.358 Coding Czech Republic Bank Data on the Master Beneficiary Records (MBR)

Subsection F, we added a reference section.

 

GN 02402.359 Coding Ghana Bank Data on the Master Beneficiary Record (MBR)

Subsection E, we formatted the paragraphs per plain language guidelines.

Subsection F, we formatted the paragraphs per plain language guidelines.

Subsection I, we added a reference section.

 

GN 02402.360 Coding Colombian Bank Data on the Master Beneficiary Record (MBR)

Subsection E, we formatted the paragraphs per plain language guidelines.

Subsection F, we formatted the paragraphs per plain language guidelines.

Subsection I, we added a reference section.

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

A. Background for coding Egypt 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 Egypt. 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 Egypt 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 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-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 Egypt 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 Egypt 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 Egypt 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. 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 (alpha only);

  • next two characters - ISO 3166-1 alpha 2 country code (alpha only);

  • next two characters - location code (alpha and numeric) (passive participants have "1" in the second character); and

  • last three characters - branch code, optional ('XXX' for primary office) (alpha and numeric).

2. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that 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 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 EGP account in Egypt ? If no, STOP .

REASON: Beneficiaries in Egypt can only receive IDD payments in EGP accounts.

If yes, go to step 4.

4

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.

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 Egypt, code:

  • P ” is designated for Egypt,

  • 16 digits of the 17-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.354F.

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.

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

The technician enters the information for 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”

3. Obtain the following information

  • RTN: 660010048

  • Checking

  • DAN: P0000000026318000

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660010048 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: P0000000026318000

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN-660010048

  • DAN- CP0000000026318000

G. Egyptian Bank Codes

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 02402.357 Coding Croatian Bank Data on the Master Beneficiary Records (MBR)

A. Background for coding Croatia 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 Croatia. The Social Security Administration (SSA) stores bank data on the Master Beneficiary Record (MBR) in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Croatia direct deposit and allows SSA to route benefit payments through the Federal Reserve Bank of Kansas (FRBKC) and the processor bank in Croatia to the beneficiary's 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, DIO) for processing.

For more 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-OP50 International Direct Deposit Sign-up Form for Croatia; or

  • Any document containing required banking information.

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

C. Multi-country contract

The processing FI in Croatia will have a prefix of 66 at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “Q” assigned for Croatia.

D. Overview of IDD for Croatia

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 Croatia. The FBU contacts the beneficiary or FI for additional information.

E. Description of Croatia direct deposit data

The data for coding Croatia IDD will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 21 characters including the country code of “Q” for Croatia.

F. Procedure for coding Croatia routing and 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.

You may establish or change IDD bank data for Croatia 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:

  • account ownership;

  • account type;

  • beneficiary address

  • country;

  • enrollment status;

  • first and last name of beneficiary;

  • IBAN;

  • 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-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

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that 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 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 will not accept the IDD information.

If yes, go to step 3.

3

Is the beneficiary's account a Euro account in Croatia? If no, STOP.

REASON: Beneficiaries in Croatia can only receive IDD payments in Euro accounts.

If yes, go to step 4.

4

To derive the 9-digit RTN for Croatia, code as follows:

  • prefix of 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Croatia),

  • first 6 digits of the 7-digit bank code, and

  • 1-digit check code, (obtained 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 Type of Account as follows:

  • “S” for savings or

  • “C” for checking.

If no indicated account type, use a “C” for checking account.

6

Code the DAN for Croatia as follows:

  • “Q” designated for Croatia,

  • last digit of the bank code, and

  • 10-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.457F.

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 Croatian bank data

The customer provides us with a signup form for Croatia containing the following information: "HR1210010051863000160".

  • The first 2 characters of a Croatian IBAN “HR,” represent 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 these to the MBR.

  • mThe next 7 characters of the IBAN represent the 7-digit bank code.

  • The last 10 characters of the IBAN represent the 10-digit account number.

1. Derive the RTN

The technician enters the information for the RTN

  • prefix of “66” (the multi-country prefix for Croatia),

  • first 6 digits of the 7-digit bank code “100100”,

  • 1-digit check digit code (i.e., 8) (obtained from the Title II Interactive Comps from the Main Menus 07/Sub Menu 16), and

  • 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

  • “Q” (for Croatia),

  • last digits of the bank code“5”, and

  • 10-digit Customer Account Number “1863000160”.

3. Obtain the following information

  • RTN: 661001008

  • Checking

  • DAN: Q51863000160

a. POS reflects the direct depsit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 661001008 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: Q51863000160

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN-661001008

  • DAN-CQ51863000160

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 02402.358 Coding Czech Republic Bank Data on the Master Beneficiary Records (MBR)

A. Background for coding Czech Republic 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 Czech Republic. The Social Security Administration (SSA) stores bank data on the Master Beneficiary Record (MBR) in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the bank data as an Czech Republic direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Czech Republic 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:

  • a blank check,

  • SSA-1199-OP13International Direct Deposit Signup Form for Czech Republic; or

  • any document that contains the required banking information.

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

    GN 00203.020 Identity of Claimants

    GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Czech Republic will have a prefix of “66” at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “C” assigned for Czech Republic.

D. Overview of IDD for Czech Republic

IDD payments sent to Czech Republic must be in Czech Koruna (CZK) 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 Czech Republic. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Czech Republic direct deposit data

The data for coding Czech Republic IDD will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 24 characters. However, the IDD coding for Czech Republic bank data consists of 26 characters, including the country code of “C” for Czech Republic.

When using the IBAN to code direct deposit to Czech Republic, compose the data as follows:

  • a 9-digit RTN 6600BBB BX: where “66” is the country code field, positions 3 and 4 are always 0, BBBB = 4-digit bank code, X = the check digit code; and

  • a 17-digit DAN C AAAAAAAAAAA AAAAA, which consists of a country code of “C”, for Czech Republic, followed by a16-digit account number.

NOTE: Account type when enrolling in International Treasury Services (ITS.gov) can be defaulted to checking if there is no indication of whether the account is a checking or a savings account.

F. Procedure for coding Czech Republic routing and account numbers

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.

You may establish or change IDD bank data for Czech Republic 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:

  • account ownership;

  • account type;

  • bank name

  • bank address

  • beneficiary address;

  • country

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

  • reclamation country;

  • International Bank Account Number (IBAN);

  • 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 ans 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 prior to processing an initial award to ensure that 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 in 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 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 an CZK account in Czech Republic? If no, STOP.

REASON: Beneficiaries in Czech Republic can only receive IDD payments in CZK accounts.

If yes, go to step 4.

4

To derive the 9-digit RTN for Czech Republic, code as follows:

  • prefix of 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Czech Republic),

  • 2 filler zeros “00” in position 2 and 3,

  • 4-digit bank code, and

  • 1-digit check code, (obtained 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 indicated an account type, use a “C” for checking account.

6

To derive the DAN for Czech Republic, code as follows:

  • C” designated for Czech Republic, and

  • 16-digit account number.

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

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.399F.

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 Czech Republic bank data

The customer provides us with a signup form for Czech Republic containing the following information:CZ6508000000192000145399.

  • The first 2 characters of a Czech Republic IBAN “CZ,” represent 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 these to the MBR.

  • The next 4 characters of the IBAN represent the 4-digit bank code.

  • The next 16 characters of the IBAN represent the 16-digit account number.

NOTE: When using an SSA system to process a direct deposit enrollment to a FI in Czech Republic, you should omit the ISO country code of “CZ” and the IBAN check digits when composing the RTN. However, if you use ITS.gov to process the enrollment, you should type in the full IBAN in the IBAN field. ITS.gov will automatically remove these characters when it translates the RTN and DAN.

1. Derive the RTN

The technician enters the information for the RTN

  • the prefix of “66” (the multi-country prefix for Czech Republic),

  • 2 filler zeros “00” in position 3 and 4,

  • 4-digit bank code “0800”,

  • 1-digit check digit code (i.e., 8) (obtained from the Title II Interactive Comps from the Main Menus 07/Sub Menu 16), and

  • 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

  • “C” (for Czech Republic), and

  • 16-digit account number “0000192000145399”.

3. Obtain the following information

  • RTN: 660008008

  • Checking

  • DAN: C0000192000145399

a. POS refelcts the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660008008 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: C0000192000145399

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR refelcts the following information

  • RTN-660008008

  • DAN- C0000192000145399

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 02402.359 Coding Ghana Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Ghana 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 Ghana. The Social Security Administration (SSA) stores bank data on the Master Beneficiary Record (MBR) in the same fields used for U.S. direct deposit.

Special coding identifies the data as a Ghana direct deposit and allows SSA to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Ghana to the beneficiary's 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:

  • a blank check,

  • SSA-1199-OP40 International Direct Deposit Signup Form for Ghana; 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 in Ghana will have a “66” at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “K” assigned for Ghana.

D. Overview of IDD for Ghana

IDD payments sent to Ghana must be in Ghanaian Cedi (GHS) accounts at local FIs. 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 Ghana. The FBU contacts the beneficiary or FI for additional information.

E. Description of Ghana direct deposit data

The IDD coding data for Ghana will come from FIs that the FRBKC has determined can receive IDD payments. The FRBKC identified and listed the participating FIs on the International Treasury Services (ITS.gov) website as part of the ITS help file. If you do not have access to ITS.gov, to verify bank codes when processing direct deposit to Ghana banks, refer to the listing in GN 02402.359H in this section.

The IDD coding for Ghana FIs consist of 23 characters, including the country code of “K” for Ghana. The account number contains:

  • a 9-digit RTN 66000BBBX: where “66” is the country code field, positions 2 through 4 are filler “0”s, BBB = 3-digit bank code, X = the check digit code; and

  • a 14-digit DAN KAAAAAAAAAAAAA: where “K” is the country code for Ghana, followed by a 13-digit account number.

NOTE: Account type when enrolling in ITS.gov can be defaulted to checking if there is no indication of whether the account is a checking or a savings account.

F. Procedure for coding Ghana routing and account numbers

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.

You may establish or change IDD bank data for Djibouti 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:

  • account ownership

  • account type

  • account number

  • beneficiary address

  • beneficiary phone number

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

  • reclamation country

1. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that 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.

2. Add or update bank data using SSA systems

When you add or update IDD bank data using 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 will not accept the IDD information.

    If yes, go to step 3.

    3

    Is the beneficiary's account a Ghanaian Cedi account in Ghana? If no, STOP.

     

    REASON: Beneficiaries in Ghana can only receive IDD payments in Cedi accounts.

     

    If yes, go to step 4.

    4

    To derive the 9-digit RTN for Ghana, follow the below instructions:
    • Code the prefix of 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Ghana).

    • Code the 3-filler zeros “000”s.

    • Code the 3-digit bank code based on FI name after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.359H in this section.

      When receiving IDD bank information from a beneficiary in Ghana, look up the bank name and city on the bank code listing found in either the ITS.gov help file or in GN 02402.359H of this section.

      • If the bank name and city combination are on the list use the assigned pseudo or dummy bank number.

      • If the bank name appears on the list with the incorrect city name, observe the 11-digit corresponding Society for Worldwide Interbank Telecommunication (SWIFT) code.

      • If the last 3 characters of the SWIFT are "XXX", this represents the main headquarter or branch for that bank. Use the pseudo bank number assigned to that 11-digit primary SWIFT code ending in "XXX."

      If the bank name is not on the list, inform the Office of Payment and Recovery Policy (OPRP) via email (^OPRP Reporting). OPRP will provide ITS the information to update the bank code listing. Include the following information in the body of the email (request from beneficiary):

    Email Heading: Unlisted Financial Institution - IDD

    Body:

    Full Name of Financial Institution

    Street Address

    Location

    SWIFT Code

    Country Code

    Currency

    • Code the 1-digit check code, (obtained through Title II Interactive Computations).

    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 Computations from the Main Menus 07/Sub Menu 16.

    5

    Code the account type:

    • “S” for savings, or

    • “C” for checking.

    If no account type indicated, use a “C” for checking account.

    6

    To code the Depositor Account Number (DAN) for Ghana , code:
    • Code “K” designated for Ghana.

    • Code the13-digit account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.459F.

     

    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 Ghana bank data

The beneficiary or recipient provides us with a sign-up form for Ghana containing the following information:

  • Bank Code: 123, and

  • Account Number: 4567890123456.

1. Derive the RTN

The technician enters the information for the RTN

  • prefix of “66” (the multi-country prefix for Ghana),

  • 3 filler zeros “000”,

  • 3-digit bank code “123” after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.359H in this section,

  • 1-digit check code (i.e., 8) (obtained from the Title II interactive Computations from the Main Menus 07/Sub Menu 16), and

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

2. Derive the DAN

The technician codes the DAN

  • “K” (for Ghana), and

  • 13-digit account number 4567890123456.

3. Obtain the following information:

  • RTN: 660001238

  • Checking

  • DAN: K4567890123456

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660001238 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: K4567890123456

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN-660001238

  • DAN-CK4567890123456

H. Ghana bank codes

I. 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 02402.360 Coding Colombia Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Colombia 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 Colombia. The Social Security Administration (SSA) stores bank data on the Master Beneficiary Record (MBR) in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Colombia direct deposit and allows SSA to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Colombia to the beneficiary's 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:

  • a blank check,

  • SSA-1199-OP69 International Direct Deposit Signup Form for Colombia; 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 in Colombia will have a prefix of “66” at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “U” assigned for Colombia.

D. Overview of IDD for Colombia

IDD payments sent to Colombia 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 will fax incomplete forms to the FBU that serves Colombia. The FBU contacts the beneficiary or FI for additional information.

E. Description of Colombian direct deposit data

The data for coding Colombian IDD will come from banks that the FRBKC has determined can receive IDD payments. The FRBKC identified and listed the participating FIs on the International Treasury Services (ITS.gov) website as part of the ITS help file. If you do not have access to ITS.gov, you should refer to the listing in GN 02402.360H in this section to verify bank codes when processing direct deposit to Colombian banks.

The IDD coding Colombia FIs will consist of up to 26 characters including the country code of “U” for Colombia. The account number contains:

  • a 9-digit RTN 6600BBBBX: where 66 is the country code field, position 2 and 3 are filler “00”s, BBBB= 4-digit bank code, X = the check digit code; and

  • a DAN UAAAAAAAAAAAAAAAA , which consists of a country code of “U” for Colombia, followed by the account number (up to 16–digits in length).

NOTE: Account type when enrolling in International Treasury Services (ITS.gov) can be defaulted to checking if there is no indication of whether the account is a checking or a savings account.

NOTE: No P.O. box address is allowed when enrolling individuals into IDD for Colombia.

F. Procedure for coding Colombian routing and account numbers

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.

You may establish or change IDD bank data for Colombia 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:

  • account ownership

  • account type

  • account number

  • beneficiary address - (no P.O. Box address allowed)

  • beneficiary phone number

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

  • reclamation country

1. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that 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.

2. Add or update bank data using SSA systems

When you add or update IDD bank data using 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 yes, go to step 3.

If no, STOP.

REASON: The MBR will not accept the IDD information.

3

Is the beneficiary's account a USD account in Colombia ? If no, STOP .

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

If yes, go to step 4.

4

To derive the 9-digit RTN for Colombia, code as follows:

  • prefix of 66 (the multi-country prefix SSA and FRBKC designated to use for IDD to Colombia),

  • 2 filler zeros “00”s,

  • 4-digit bank code based on FI name after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.360H in this section, and

  • 1-digit check code, (obtained 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

To derive the DAN for Colombia, code as follows:

  • “U” designated for Colombia, and

  • account number (up to 16–digits in length).

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.360F.

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 Colombian bank data

The customer provides us with a sign-up form for Colombia containing the following information:

  • Bank Code: 1234, and

  • Account Number: 5678901234567890.

1. Derive the RTN

The technician enters the information for the RTN

  • prefix of “66” (the multi-country prefix for Colombia),

  • first 2 positions are filler “00”s,

  • 4-digit bank code “1234” after verifying accuracy against either the ITS.gov help file or the listing in GN 02402.360H in this section, and

  • 1-digit check code (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16).

2. Derive the DAN

The technician codes the DAN

  • “U” (for Colombia), and

  • 16-digit account number 5678901234567890.

3. Obtain the following information

  • RTN: 660012348

  • Checking

  • DAN: U5678901234567890

a. POS refelcts the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660012348 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: U5678901234567890

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN-660012348

  • DAN-U5678901234567890

H. Colombian bank codes

Bank Codes for Colombia

I. 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 256 - Direct Deposit - Title II and Title XVI - 2/01/2024