Identification Number:
GN 02402 TN 260
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. 260, 03/05/2024

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). Per instructions from the Department of the Treasury, we updated the requirements when coding bank data into ITS.gov for the countries of South Africa, Switzerland, Trinidad and Tobago, Greece and New Zealand. We formatted the enrollment instructions per plain language guidelines for accuracy and consistency within our POMS.

Summary of Changes

GN 02402.331 Coding South African Bank Data for the MBR

We updated the POMS title and made formatting changes to sub-sections A, B, C, D, and E. We added sub-section F, G, and H for consistency in our IDD POMS. The hyperlink in sub-section E was moved to B. References were added to sub-section H.

 

GN 02402.334 Coding Swiss Bank Data for the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections A, B, C, D, E, F, and G. We added sub-section H with references for consistency in our IDD POMS. Added text to sub-section E for clarity and emphasis of ITS.gov input (does not change policy or procedure).

 

GN 02402.335 Coding Trinidad and Tobago Bank Data for the MBR

We updated the POMS title and made formatting changes to sub-sections A, B, C, D, and E. We added sub-section F, G, and H for consistency in our IDD POMS. The hyperlink in sub-section E was moved to B. References were added to sub-section H.

 

GN 02402.339 Coding Greek Bank Data for the Master Beneficiary Record (MBR)

We made formatting changes to sub-sections A, B, C, D, F, G, and H. References were added to sub-section H, and the PDFs were removed and included as hyperlinks in sub-section B for consistency with our IDD POMS. Added text to sub-section E for clarity and emphasis of ITS.gov input (does not change policy or procedure).

 

GN 02402.330 Coding New Zealand Bank Data for the MBR

We updated the POMS title and made formatting changes to sub-sections A, B, C, D, and E. We added sub-section F, G, and H for consistency in our IDD POMS. The hyperlink in sub-section E was moved to B. References were added to sub-section H.

GN 02402.330 Coding New Zealand Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding New Zealand 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 New Zealand. 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 New Zealand direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in New Zealand 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-OP19 International Direct Deposit Signup Form for New Zealand; 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 New Zealand will have a prefix of “71” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “L” assigned for New Zealand.

D. Overview of IDD for New Zealand

IDD payments sent to New Zealand must be in New Zealand Dollar (NZD) 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 New Zealand. The FBU contacts the beneficiary or FI for the additional information.

E. Description of New Zealand IDD bank data

The data to code IDD for New Zealand comes from banks determined by the FRBKC. The bank data on the MBR includes the country code of L, a 6-digit bank code, and a 10-digit account number.

F. Procedure for coding New Zealand 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 New Zealand using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

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

  • first and last name of the beneficiary

  • payee indicator

  • enrollment status

  • country

  • account type

  • account ownership

  • 6-digit bank code

  • 10-digit account number

  • beneficiary address

  • 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 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 NZD account in New Zealand? If no, STOP.

    REASON: Beneficiaries in New Zealand can only receive IDD payments in NZD accounts.

    If yes, go to step 4.

    4

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

    • Prefix of 71 (the multi-country prefix SSA designated for New Zealand),

    • 6-digit bank code,

    • U.S. check digit obtained through 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 DAN for New Zealand, code:

    • “L ” as designated for New Zealand,

    • 10-digit account number

    NOTE: ITS.gov will add zeroes to the beginning of the account number if the data entered is less than 10 digits. Please be sure to enter the full 10-digit account number with the zeroes in the correct position to avoid return of payment.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.330F.

    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 New Zealand direct deposit

The customer provides us with a signup form for New Zealand containing the following information:

Bank code: 112222 Account Number: 1234567890

1. Derive the RTN

The technician enters the information for the RTN.

  • Prefix of "71" (the multi-country prefix for New Zealand),

  • The bank code "112222",

  • The U.S. check digit: "2",

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

2. Derive the DAN

The technician codes the DAN.

  • "L" (for New Zealand), and

  • The 10-digit account number "1234567890".

  • If the account number input into ITS.gov has less than 10 digits, ITS.gov will automatically add zeroes to the beginning of the account number. Be sure to input the correct information.

3. Obtain the following information

  • RTN: 711122222

  • Checking

  • DAN: L1234567890

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 711122222 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: L1234567890

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 711122222

  • DAN- CL1234567890

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 02402.331 Coding South African Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding South African 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 South Africa. 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 South African direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in South Africa 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-OP22 International Direct Deposit Signup Form for South Africa; 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 South Africa will have a prefix of “71” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “M” assigned to South Africa.

D. Overview of IDD for South Africa

IDD payments sent to South Africa must be in South African Rand (ZAR) 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 South Africa. The FBU contacts the beneficiary or FI for the additional information.

E. Description of South African IDD bank data

The data to code IDD for South Africa comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 26 characters, including the country code of "M."

South African bank data has the following characteristics:

  • A bank code of 8 digits, of which we use only the first 6 digits, and

  • An account number of up to 16 characters, including hyphens.

  • An @ symbol to signify the end of the account number. We do not use the @ symbol in coding the account number.

IMPORTANT: Because the DAN field can only hold up to 16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

F. Procedure for coding South African 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 South Africa using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

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

  • first and last name of the beneficiary

  • payee indicator

  • enrollment status

  • country

  • account type

  • account ownership

  • 6-digit bank code

  • 16-digit account number

  • beneficiary address

  • 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 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 ZAR account in South Africa? If no, STOP.

    REASON: Beneficiaries in South Africa can only receive IDD payments in ZAR accounts.

    If yes, go to step 4.

    4

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

    • Prefix of 71 (the multi-country prefix SSA designated for South Africa),

    • 6-digit bank code. If extra digits are provided, code only the first 6 digits.

    • U.S. check digit (obtained through 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 DAN for South Africa, code:

    • “M” as designated for South Africa,

    • 16-digit account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.331F.

    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 South African bank data

The customer provides us with a signup form for South Africa containing the following information:

Bank code: 123456 Account Number: 1234567890123456@

1. Derive the RTN

The technician enters the information for the RTN.

  • Prefix of “71” (the multi-country prefix for South Africa),

  • 6-digit bank code: "123456" (If extra digits are provided, code only the first 6 digits.)

  • U.S. check digit (i.e., 3) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16), and

  • Code the account type 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 “M” designated for South Africa; and

  • Code 16 digits of the account number 1234567890123456. The @ symbol is not coded.

3. Obtain the following information

  • RTN: 711234563

  • Checking

  • DAN: M1234567890123456

a. POS reflects the direct depost information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 711234563 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: M1234567890123456

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 711234563

  • DAN- CM1234567890123456

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 02402.334 Coding Swiss Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Swiss 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 Switzerland. 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 Swiss direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Switzerland 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-SZ International Direct Deposit Signup Form for Switzerland; 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 Switzerland will have a prefix of “71” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “N” assigned to Switzerland.

D. Overview of IDD for Switzerland

IDD payments sent to Switzerland must be in Swiss Franc (CHF) 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 Switzerland. The FBU contacts the beneficiary or FI for additional information.

E. Description of Swiss IDD bank data

The data for coding IDD for Switzerland will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN for Switzerland consists of 21 characters. However, the bank data reflected on the MBR will reflect 23 characters including the country code of “N” for Switzerland. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

F. Procedure for coding Swiss bank data

The FRBKC relies on SSA to provide the complete bank data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC rejects the payment and returns the funds to our agency.

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

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

  • first and last name of the beneficiary

  • payee indicator

  • enrollment status

  • country

  • account type

  • account ownership

  • International Bank Account Number (IBAN)

  • beneficiary address

  • reclamation country

1. Process initial award

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

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 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 Swiss Franc (CHF) account in Switzerland? If no, STOP.

    Reason: Beneficiaries in Switzerland can only receive IDD payments in CHF accounts.

    If yes, go to step 4 .

    4

    Code the 9-digit RTN for Switzerland, as follows:

    • “71” (the multi-country prefix SSA designated to Switzerland);

    • a filler “0”;

    • the 5-digit bank code (obtain through the IBAN, see GN 02402.334G); and

    • the U.S. check digit (obtain through Title II Interactive Comps from the Main Menus 07/Sub Menu 16).

    5

    Code the account type:

    • “S” for savings, or

    • “C” for checking.

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

    6

    Code the DAN for Switzerland as follows:

    • start with a country code of “N” designated for Switzerland; and

    • code the 12-digit account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.334F.

    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 Switzerland direct deposit

The customer provides us with a signup form from Swizerland containing the IBAN: "CH9300762011623852957."

  • The first 2 characters of a Swiss IBAN are “CH,” which represents the International Organization for Standardization (ISO) country code.

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

  • The next 5 characters represent the 5-digit bank code.

  • The remaining 12 digits of the IBAN represent the account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • code the prefix of "71";

  • a filler zero “0”;

  • the 5-digit bank code “00762”;

  • U.S. check digit (i.e., “7”, which is obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16); and

  • the account type of “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 a country code of “N” designated for Switzerland; and

  • code the 12-digit account number: “011623852957”.

3. Obtain the following information

  • RTN: 710007627

  • Checking

  • DAN: N011623852957

a. POS reflects the direct deposit informaton

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710007627

    ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: N011623852957

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 710007627

  • DAN- CN011623852957

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 Interantional Treasury Services (U.S. Treasury system)

GN 02402.335 Coding Trinidad and Tobago Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Trinidad and Tobago 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 Trinidad and Tobago. 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 Trinidad and Tobago direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Trinidad and Tobago 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-OP26 International Direct Deposit Signup Form for Trinidad and Tobago; or

  • Any document that contains required banking information.

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

C. Multi-country contact

The processing FI in Trinidad and Tobago will have a prefix of “70” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “R” assigned to Trinidad and Tobago.

D. Overview of IDD for Trinidad and Tobago

IDD payments sent to Trinidad and Tobago must be in Trinidad and Tobago Dollar (TTD) 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 Trinidad and Tobago. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Trinidad and Tobago IDD bank data

The data to code IDD for Trinidad and Tobago comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 21 characters including the country code of R, the 3-digit bank code, 5-digit branch code, and 12-digit account number.

F. Procedure for coding Trinidad and Tobago 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 Trinidad and Tobago using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

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

  • first and last name of the beneficiary

  • payee indicator

  • enrollment status

  • country

  • account type

  • account ownership

  • 3-digit bank code

  • 5-digit branch code

  • account number (up to 12 digits)

  • beneficiary address

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 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 TTD account in Trinidad and Tobago? If no, STOP.

    REASON: Beneficiaries in Trinidad and Tobago can only receive IDD payments in TTD accounts.

    If yes, go to step 4.

    4

    To derive the 9-digit RTN for Trinidad and Tobago, code as follows:

    • Start with 70, the prefix assigned to Caribbean countries for which Citibank is the processor bank,

    • a filler “0",

    • 3-digit bank code,

    • the first 2 digits of the branch code,

    • the U.S. check digit obtained 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 DAN for Trinidad and Tobago, code:

    • “R” as designated for Trinidad and Tobago,

    • the remaining 3 digits of the branch code,

    • up to 12 digits of the account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.335F.

    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 Trinidad and Tobago direct deposit

The customer provides us with a signup form for Trinidad and Tobago containing the following information:

Bank code : 123

Branch code: 45678

Account Number: 123456789012

1. Derive the RTN

The technician enters the information for the RTN.

  • Prefix of 70, assigned to Caribbean countries for which Citibank is the processor bank

  • a filler “0"

  • 3-digit bank code: "123"

  • the first 2 digits of the branch: "45"

  • the U.S. check digit (i.e., 2) obtained through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

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

2. Derive the DAN

The technician codes the DAN.

  • Start with the country code of "R" designated for Trinidad and Tobago,

  • The remaining 3 digits of the branch code: "678"

  • Code up to 12 digits of the account number: "123456789012"

3. Obtain the following information

  • RTN: 700123452

  • Checking

  • DAN: R678123456789012

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700123452 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: R678123456789012

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 700123452

  • DAN- CR678123456789012

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 02402.339 Coding Greek Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Greek 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 Greece. 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 Greece direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Greece 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-GR-OP1 International Direct Deposit Signup Form for Greece (See SSA-1199-GE for Greek translation); 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 Greece will have a prefix of “65” at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for Greece

IDD payments sent to Greece must be in Euro (EUR) 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 Greece. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Greek IDD bank data

The data for coding IDD for Greece will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 27 characters. However, the IDD bank data reflected on the MBR will consist of 26 characters. Technicians will use the IBAN to derive the RTN and DAN when processing an IDD request.

IMPORTANT: Because the DAN field can only hold up to 16 digits, complete bank information must be coded in ITS.gov for each beneficiary. Additional characters may be required for the IDD payment to process. Therefore, technicians must follow a two-step process to avoid payment rejection:

  1. 1. 

    Input all IDD bank data in ITS.gov, as outlined in Section F; and

  2. 2. 

    Input the allowable number of characters via SSA systems to update the MBR.

F. Procedure for coding Greece 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 Greece using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

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

  • first and last name of the beneficiary

  • payee indicator

  • enrollment status

  • country

  • account type

  • account ownership

  • International Bank Account Number (IBAN)

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

  • beneficiary address

  • reclamation country

1. Obtain SWIFT-BIC code from FI

The SWIFT code consists of 8 to 11 alphanumeric characters. When an 8-digit code is given, it refers to the primary office:

  • First 4 characters - bank code (alpha only)

  • Next 2 characters - ISO 3166-1 alpha-2 country code (alpha only)

  • Next 2 characters - location code (alpha and numeric) (passive participant will have "1" in the second character)

  • Last 3 characters - branch code, optional ('XXX' for primary office) (alpha and numeric)

2. Process initial award

Secure IBAN and SWIFT-BIC coding from the beneficiary at the time of filing. The FBU inputs an initial IDD claim if the beneficiary elects the option of direct deposit. All initial IDD claims that an FBU takes for Greece require input into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day. You must complete all initial claims that the International Benefits Office (IBO) takes. You must input all initial claims involving Greece IDD into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day.

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

3. Add or update bank data using SSA systems

When you add or update IDD bank data using an SSA system (e.g. Post Entitlement Online System (POS), MACADE), you must:

  • update ITS.gov on the same day;

  • enter all POS direct deposit changes according to normal procedures;

  • use procedures outlined in the following chart when processing within four business days of the current operational month (COM) cutoff date.

    Step

    Action

    1

    Are you coding an initial claim?

    If yes, go to step 3.

    If no, go to step 2.

    2

    Is the beneficiary's address on the MBR in a foreign country (PCOC = 8)?

    If no, STOP.

    REASON: The MBR does not accept the IDD information unless the address is in a foreign country.

    If yes, go to step 3.

    3

    Is the beneficiary's account a EUR account in Greece? If no, STOP .

    REASON: Beneficiaries in Greece can only receive IDD payments in EUR accounts.

    If yes, go to step 4.

    4

    Code the RTN (9 digits total) as follows:

    • Start with 65, the prefix SSA has designated for Greek IDD.

    • Code the 3-digit bank code (obtained through the IBAN; see GN 02402.339G).

    • Code the first three digits of the 4-digit branch code.

    • Code the U.S. check digit, which you will obtain through 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 DAN for Greece, code:

    • The fourth digit of the branch code; and

    • The 16-digit account number.

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.339F.

    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 Greek direct deposit

The customer provides us with a signup form for Greece containing the following information: IBAN: GR1601101250000000012300695 SWIFT: ETHNGRAA125

  • The first 2 characters of the Greek IBAN are “GR”, which represent the International Organizational for Standardization (ISO) country code.

  • The third and fourth characters are the IBAN check digits.

  • The technician should never code the IBAN ISO country code or check digit to the MBR.

  • The next three characters are the three-digit bank code.

  • The next four characters are the four-digit branch code.

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

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the prefix of "65" (SSA designated prefix for Greece);

  • Code the 3-digit bank code “011”;

  • Code the first 3 digits of the branch code “012”;

  • Code the U.S. check digit (i.e., 8) (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16);

  • Code the account type 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.

  • Code the last digit of the branch code “5”;

  • Code the 16-digit account number “0000000012300695”

3. Obtain the following information

  • RTN: 650110128

  • Checking

  • DAN: 50000000012300695

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 650110128 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: 50000000012300695

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 650110128

  • DAN- C50000000012300695

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 260 - Direct Deposit - Title II and Title XVI - 3/05/2024