Identification Number:
GN 02402 TN 157
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Transmittals
Program:Title II (RSI)
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM
Part GN – General
Chapter 024 – Checks
Subchapter 02 – Direct Deposit - Title II and Title XVI
Transmittal No. 157, 02/21/2020

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

Upon Receipt

Background

Our office provides the Federal Benefit Units (FBUs) and the Office of Earnings and International Operations (OEIO) with International Direct Deposit (IDD) bank requirements and SSA-1199 IDD enrollment forms. Technicians use the enrollment forms to process Title II IDD claims for beneficiaries in participating IDD countries.

 

Summary of Changes

GN 02402.371 Coding Cape Verde Bank Data on the Master Beneficiary Record (MBR)

Subsection G, We hyperlinked the SSA-1199 form.

 

GN 02402.431 Coding Bahrain Bank Data on the Master Beneficiary Record (MBR)

Subsection B, We hyperlinked the SSA-1199 form.

 

GN 02402.432 Coding Bonaire Bank Data on the Master Beneficiary Record (MBR)

Subsection B, We hyperlinked the SSA-1199 form.

 

GN 02402.435 Coding Saudi Arabia Bank Data on the Master Beneficiary Record (MBR)

Subsection B, We hyperlinked the SSA-1199 form.

GN 02402.371 Coding Cape Verde Bank Data on the Master Beneficiary Record (MBR)

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Cape Verde. The Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as a Cape Verde direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Cape Verde to the beneficiary's local FI.

NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing. For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C.

A. 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;

  • an SSA-1199-OP41 (International Direct Deposit Signup Form for Cape Verde) (For the link to the form see GN 02402.371G in this section); or

  • any document that contains the required banking information.

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.

B. Multi-country contract

The processing FI for Cape Verde has a prefix of 71 at the beginning of the Routing Transit Number (RTN).

C. Overview of IDD for Cape Verde

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 Cape Verde. The FBU contacts the beneficiary or FI for additional information.

D. Description of Cape Verde IDD bank data

The data for coding IDD for Cape Verde comes from banks determined by the FRBKC. The bank data on the MBR will reflect up to 27 including the alpha country code of O for Cape Verde.

E. Policy for coding Cape Verde 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 SSA. When establishing or changing IDD bank data for Cape Verde, you can use an SSA system (i.e. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must go to ITS.gov to enter the full Society for Worldwide Interbank Financial Telecommunication- Business Identifier Code (SWIFT-BIC), the beneficiary’s name, and beneficiary’s address. Do not code the RTN in ITS.gov, as ITS.gov will propagate this information. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA. When using ITS.gov, bank data posts to the MBR within four business days.

The SWIFT code should consist of 11 alphanumeric characters:

  • First four characters - bank code (only letters);

  • Next two characters - ISO 3166-1 alpha-2 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).

1. Initial award processing

Secure the beneficiary’s name, address, and full SWIFT-BIC code at the time of filing. 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 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 SSA.

NOTE: If there is dire need or hardship involved, tell 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 the initial claim.

2. Adding or updating bank data using SSA systems

You must update ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e., Post Entitlement Online System (POS), MACADE). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for Cape Verde within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:

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 Cape Verde? If no, STOP.

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

If yes, go to step 4

4

The RTN is 710000028 for all IDD to Cape Verde. SSA and FRBKC have designated 71 as the multi-country prefix for Cape Verde IDD. The 8 in the RTN represents the U.S. check digit code for all IDD accounts in Cape Verde. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.

5

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

6

Code the Depositor Account Number (DAN) for Cape Verde as follows:

  • Start with an alpha country code of “O” designated for Cape Verde

  • Code the Customer Account Number (up to 16 characters)

7

You must enter the full SWIFT-BIC code, the recipient’s name, and address into ITS.gov on the same business day. Do not code the RTN intoITS.gov , as ITS.gov will propagate this information.

If you do not have access to ITS.gov, ask a co-worker who has access to enter the required information into ITS.gov FRBKC will need all of this information in order to process the IDD payment. When this information is not available, FRBKC will reject the payment and return it to SSA.

F. Example of coding Cape Verde direct deposit

The customer provides us with a signup form for Cape Verde containing the following information:

Account Number 1234567890123456

  1. 1. 

    Derive the RTN as follows

    • Code an RTN of 710000028

    • 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. 2. 

    Derive the DAN as follows

    • Start with an alpha country code of “O” designated for Cape Verde;

    • Code the 16-digits of the Account Number “1234567890123456”.

The technician obtains the following:

RTN: 710000028

Checking

DAN: O1234567890123456

The coding in an SSA System reflects:

DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000028

ACCOUNT TYPE (C/S): C

DEPOSITOR ACCOUNT NUMBER: O1234567890123456

CANCEL DIRECT DEPOSIT (Y):

DIRECT EXPRESS (Y):

The MBR reflects the following information:

RTN- 710000028 DAN- CO1234567890123456

G. Exhibit of form SSA-1199 IDD Enrollment Form for Cape Verde

To view this form go toSSA-1199-OP41.

GN 02402.431 Coding Bahrain Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Bahrain 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 Bahrain. 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 Bahrain direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Bahrain 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-OP87 International Direct Deposit Signup Form for Bahrain; 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 Bahrain has a prefix of 72 at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “H” assigned for Bahrain.

D. Overview of IDD for Bahrain

IDD payments sent to Bahrain 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 that territory. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Bahrain IDD bank data

The data to code IDD for Bahrain 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 H.

F. Procedure for coding Bahrain 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 Bahrain 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 (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:

  • 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 Bahrain?

If no, STOP.

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

4

The RTN is 720000018 for all IDD to Bahrain. It contains the:

  • Multi-country prefix of “72” for Bahrain IDD;

  • U.S. check digit code of “8” at the end of the RTN for all IDD accounts in Bahrain.

No need to obtain the check digit code from Title II Interactive Comps.

5

Code the account type:

  • “S” savings, or

  • “C” checking.

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

6

To code the Depositor Account Number (DAN) for United Arab Emirates, code:

  • "H” designated for Bahrain

  • 14-digit account number

7

You must take action on the same business day to enter into ITS.gov all the information as listed in GN 02402.431F.

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 Bahrain direct deposit

The customer provides us with a signup form for Bahrain containing the account number: BH67BMAG00001299123456

  • The first character of IBAN is “BH,” 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 next 4 characters of the IBAN represents the bank code.

  • The last 14 digits of the IBAN represent the account number.

1. Derive the RTN

The technician enters the information for the RTN:

  • Code RTN as 720000018

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

2. Derive the DAN

The technician codes the DAN:

  • Start with country code “H” designated for Bahrain; and

  • Code the 14-digit Account Number “00001299123456”

3. Obtain the following information

  • RTN: 720000018

  • Checking

  • DAN: H00001299123456

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 720000018

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: H00001299123456

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN 720000018

  • DAN CH00001299123456

H. 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 02402.432 Coding Bonaire Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Bonaire 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 Bonaire. 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 Bonaire direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Bonaire 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-OP84 International Direct Deposit Signup Form for Bonaire; 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 Bonaire will have 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 “I” assigned for Bonaire.

D. Overview of IDD for Bonaire

IDD payments sent to Bonaire 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 Bonaire. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Bonaire IDD bank data

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

F. Procedure for coding Bonaire 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 Bonaire 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;

  • 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 USD account in Bonaire? If no, STOP.

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

If yes, go to step 4.

4

The RTN is 720000034 RTN for Bonaire. It contains the:

  • Multi-country prefix of “72” for Bonaire IDD;

  • U.S. check digit code of “4” at the end of the RTN for all IDD accounts in Bonaire.

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 Bonaire, code:

  • I” is designated for Bonaire,

  • 16 digits of the 29-digit account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.432F.

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 Bonaire direct deposit

The customer provides us with a signup form for Bonaire containing the account number: “12345678901122334455667788990.”

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the RTN of 720000034

  • 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 technician codes the DAN.

  • Start with the country code of “I” designated for Bonaire; and

  • Code 16 digits of the 29-digit account number “1234567890112233”

3. Obtain the following information

  • RTN: 720000034

  • Checking

  • DAN: I1234567890112233

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 730000066 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: I1234567890112233

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 720000034

  • DAN- CI1234567890112233

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 02402.435 Coding Saudi Arabia Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Saudi Arabia 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 Saudi Arabia. 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 Saudi Arabia direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Saudi Arabia 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-OP73 International Direct Deposit Signup Form for Saudi Arabia; 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 Saudi Arabia has a prefix of 72 at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “E” assigned for Saudi Arabia.

D. Overview of IDD for Saudi Arabia

IDD payments sent to Saudi Arabia must be in Saudi Arabian Riyal (SAR) 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.

E. Description of Saudi Arabia IDD bank data

The data to code IDD for Saudi Arabia 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 E.

F. Procedure for coding Saudi Arabia 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 Saudi Arabia 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;

  • country;

  • enrollment status;

  • first and last name of beneficiary;

  • 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 (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:

  • 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 SAR account in Saudi Arabia?

If no, STOP.

REASON: Beneficiaries in Saudi Arabia can only receive IDD payments in SAR accounts.

4

The RTN is 720000005 for all IDD to Saudi Arabia. It contains the:

  • Multi-country prefix of “72” for Saudi Arabia IDD;

  • U.S. check digit code of “5” at the end of the RTN for all IDD accounts in Saudi Arabia.

No need to obtain the check digit code from Title II Interactive Comps.

5

Code the account type:

  • “S” savings, or

  • “C” checking.

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

6

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

  • E” for Saudi Arabia

  • 16 digits of the 18-digit account number

7

You must take action on the same business day to enter into ITS.gov all the information as listed in GN 02402.435F.

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 Saudi Arabia direct deposit

The customer provides us with a signup form for Saudi Arabia containing the account number: SA0380000000608010167519

  • The first character of IBAN is “SA,” 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 next 2 characters of the IBAN represents the bank code.

  • The last 18 digits of the IBAN represent the account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • Code RTN as 720000005

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

2. Derive the DAN

The technician codes the DAN:

  • Start with country code “E” designated for Saudi Arabia; and

  • Code the 16 digits of the 18-digit Account Number “0000006080101675”

3. Obtain the following information

  • RTN 720000005

  • Checking

  • DAN: E0000006080101675

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 720000005

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: E0000006080101675

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN 720000005

  • DAN CE0000006080101675

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 157 - Direct Deposit - Title II and Title XVI - 2/21/2020