Identification Number:
GN 02402 TN 262
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. 262, 03/07/2024

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 Haiti, Hong Kong, Jamaica, Malta, and the Netherlands. We formatted the enrollment instructions per plain language guidelines for accuracy and consistency within our POMS.

Summary of Changes

GN 02402.324 Coding Haiti Bank Data for the Master Beneficiary Record (MBR)

We re-formatted subsections A,B, C, D, E, F, and G, as per our IDD POMS template. We formatted paragraphs per plain language guidelines and added ITS.gov coding requirements per Treasury guidelines (subsection F). We added references to subsection H and inserted the updated hyperlink for the SSA-1199 IDD enrollment form to subsection B.

 

GN 02402.325 Coding Hong Kong Bank Data for the MBR

We re-formatted subsections A,B, C, D, E, F, and G, as per our IDD POMS template. We formatted paragraphs per plain language guidelines and added ITS.gov coding requirements per Treasury guidelines (subsection F). We added references to subsection H and moved the hyperlink for the SSA-1199 IDD enrollment form to subsection B.

 

GN 02402.326 Coding Jamaican Bank Data for the Master Beneficiary Record (MBR)

We re-formatted subsections A,B, D, E, F, and G, as per our IDD POMS template. We also added subsection H "References" for consistency.

GN 02402.327 Coding Maltese Bank Data for the Master Beneficiary Record (MBR)

We re-formatted subsections A,B, C, D, E, F, and G, as per our IDD POMS template. We also added subsection H "References" for consistency.

 

GN 02402.328 Coding Netherlands Bank Data for the Master Beneficiary Record (MBR)

We re-formatted subsections A,B, D, F, and G, as per our IDD POMS template. We also added references to subsection H for consistency and moved the hyperlink for the SSA-1199 to subsection B.

GN 02402.324 Coding Haitian Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Haiti 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 Haiti. 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 Haitian direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Haiti 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 bank data

We receive requests to input bank data by mail, phone, or fax in the following formats:

  • Blank check;

  • SSA-1199-HC International Direct Deposit Signup Form for Haiti; or

  • Any document that contains required banking information.

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

C. Multi-country contract

All Caribbean countries for which Citibank is the processor bank have a prefix of "70" at the beginning of the routing number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “L” assigned for Haiti.

D. Overview of IDD for Haiti

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

E. Description of Haitian IDD bank data

The data to code IDD for Haiti comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 21 characters including:

  • The country code of "L",

  • A bank code of 9 digits (a zero, a 3-digit bank code and a 5-digit branch code), and

  • An account number of up to 12 characters.

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 Haitian 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 Haiti 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; (no P.O. box address allowed)

  • 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 USD account in Haiti? If no, STOP.

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

    If yes, go to step 4.

    4

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

    • Prefix of 70 (the multi-country prefix SSA and FRBKC designated to use for IDD to Haiti),

    • A filler zero “0”,

    • 3-digit bank code

    • the first 2 digits of the branch 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 Haiti, code:

    • "L" as designated for Haiti,

    • The remaining 3 digits of the branch code, and

    • 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 02402.324F.

    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 Haitian direct deposit

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

  • Account number: 123456789012

  • Bank code: 123

  • Branch code: 45678

1. Derive the RTN

The technician enters the information for the RTN.

  • Prefix of “70” (the multi-country prefix for Haiti),

  • A filler zero "0"

  • 3-digit bank code: “123”

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

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

  • 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.

  • Start with the country code of "L" designated for Haiti,

  • Code the remaining 3 digits of the branch code, and

  • Code 12 digits of the account number 123456789012 (Do not include any dashes or spaces).

3. Obtain the following information

  • RTN: 700123452

  • Checking

  • DAN: L678123456789012

a. POS reflects the direct deposit information

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

  • DEPOSITOR ACCOUNT NUMBER: L678123456789012

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 700123452

  • DAN- CL678123456789012

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 02402.325 Coding Hong Kong Bank Data for the MBR

A. Background for coding Hong Kong 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 Hong Kong. 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 Hong Kong direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Hong Kong 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-OP12 International Direct Deposit Signup Form for Hong Kong; 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 Hong Kong 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 “H” assigned to Hong Kong.

D. Overview of IDD for Hong Kong

IDD payments sent to Hong Kong must be in Hong Kong dollar (HKD) 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 Hong Kong. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Hong Kong bank data

Hong Kong bank data consists of up to 15 digits, as follows:

  • A bank/branch code of 6 digits. The first 3 are for the bank, and the last 3 are for the branch.

  • An account number of 6–9 digits. If fewer than 6 digits are provided, the form must be returned to the beneficiary for correction.

On the signup form, the bank/branch code will be the first 6 digits. The account number of 6–9 digits will follow.

F. Procedure for coding Hong Kong 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 Hong Kong 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 (the first 3 digits are the bank code; last 3 are the branch code)

  • 9-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 HKD account in Hong Kong? If no, STOP.

    REASON: Beneficiaries in Hong Kong can only receive IDD payments in HKD accounts.

    If yes, go to step 4.

    4

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

    • Prefix of 71 (the multi-country prefix SSA and FRBKC designated to use for IDD to Hong Kong),

    • The 6-digit bank/branch 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 Hong Kong, code as follows:

    • “H” designated for Hong Kong, and

    • The 9-digit account number

    7

    You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.325F.

    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 Hong Kong direct deposit

A signup form for Hong Kong contains the following information:

  • Bank/branch code: 123456

  • Account Number: 123456789

1. Derive the RTN

The technician enters the information for the RTN.

  • Prefix of “71” (the multi-country prefix for Hong Kong),

  • The 6-digit bank/branch code: "123456"

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

  • 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.

  • Start with the country code of "H" designated for Hong Kong; and

  • Code the 9-digit account number: "123456789"

3. Obtain the following information

  • RTN: 711234563

  • Checking

  • DAN: H123456789

a. POS reflects the direct deposit information

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

  • DEPOSITOR ACCOUNT NUMBER: H123456789

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN: 711234563

  • DAN: CH123456789

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 02402.326 Coding Jamaican Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Jamaican 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 Jamaica. 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 Jamaican direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Jamaica 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 account data by mail, phone, or fax in the following formats:

  • Blank check;

  • SSA-1199-OP15 International Direct Deposit Signup Form for Jamaica; or

  • Any document that contains the required banking information.

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

C. Multi-country contract

Citibank is the processor FI for IDD to several Caribbean countries, including Jamaica. All Caribbean countries for which Citibank is the processor FI have a prefix of "70" at the beginning of the routing transit number (RTN) and an assigned letter in the first position of the depositor account number (DAN). The letter assigned for Jamaica is “M.”

D. Overview of IDD for Jamaica

IDD payments sent to Jamaica must be in Jamaican Dollar (JMD) 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 Jamaica. The FBU contacts the beneficiary or FI for additional information.

E. Description of Jamaican IDD bank data

The bank data for Jamaica will come from financial institutions (FIs) that the FRBKC has determined can process handle the IDD. The FRBKC identified and listed the participating FIs on the International Treasury Services (ITS.gov) website as part of the ITS help file.

The bank data on the MBR consists of up to 25 characters, including the country code of “M” for Jamaica.

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 Jamaican 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 Jamaica 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 yes, go to step 3.

If no, STOP.

REASON: The MBR will not accept IDD information (RTN begins with 5, 6, or 7) unless the address is in a foreign country.

3

Is the beneficiary's account a JMD account in Jamaica? If no, STOP.

REASON: Beneficiaries in Jamaica can only receive IDD payments in JMD accounts.

If yes, go to step 4.

4

To derive the 9-digit RTN for Jamaica:

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

  • Code a filler zero ("0"),

  • Code the 3-digit bank code,

  • Code the first two digits of the 5-digit branch/transit code.

  • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

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

5

Code the account type:

  • “S” for savings, or

  • “C” for checking.

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

6

Code the DAN for Jamaica:

  • Start with a country code of “M” designated for Jamaica.

  • Code the remaining 3 digits of the branch/transit code.

  • Code the account number (up to 12 digits). Do not include any dashes or spaces.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.326F.

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 Jamaican direct deposit

The customer provides the signup form for Jamaica containing the following information:

  • Bank code: 123

  • Branch code: 45678

  • Account Number: 123456789012

1. Derive RTN

The technician enters the information for the RTN.

  • Code the prefix of 70 (the multi-country prefix for Jamaica)

  • Code the filler zero “0”

  • Code the 3-digit bank code: 123

  • Code the first 2 digits of the branch code: 45

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

2. Derive the DAN

The technician codes the DAN.

  • Use the letter “M” (for Jamaica)

  • The remaining 3 digits of the branch code: 678

  • The 12-digit account number 1234567891012

3. Obtain the following information

  • RTN: 700123452

  • Checking

  • DAN: M678123456789012

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700123452

    ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: M678123456789012

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 700123452

  • DAN- CM678123456789012

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 02402.327 Coding Maltese Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Maltese 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 Malta. 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 Maltese direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Malta 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-OP16 International Direct Deposit Signup Form for Malta; or

  • Any document that contains the required banking information.

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

C. Multi-country contract

The processor bank in Malta 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 “J” assigned for Malta.

D. Overview of IDD for Malta

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

E. Description of Maltese IDD bank data

The data for coding IDD for Malta will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 31 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 Maltese 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 Malta 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 the 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 Malta 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 Malta 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 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 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 Malta? If no, STOP.

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

If yes, go to step 4.

4

Code the RTN field as follows:

  • Start with "71", the prefix assigned to Malta.

  • Code the 4-digit bank code.

  • Code the first 2 digits of the branch code.

  • Code the U.S. check digit, 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

Code the DAN field as follows:

  • Start with “J” which is the country code for Malta.

  • Code the last 3 digits of the 5-digit branch code.

  • Code the first 13 digits of the 18-digit account number

  • Be sure to input the full IBAN through ITS.gov. The final digit of the DAN will annotate.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.327F.

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 Maltese direct deposit

The customer provides us with a signup form for Malta containing the following information: "MT84MALT011000012345MTLCAST001S"

  • The first 2 characters of the IBAN are “MT”, which represents 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 the check digit to the MBR.

  • The next 4 characters represent the bank account number.

  • The next 5 characters represent the bank number.

  • The last 18 characters represent the account number.

1. Derive the RTN

The technician codes the information for the RTN.

  • Code the prefix of 71 (SSA-designated prefix for IDD).

  • Code the 4-digit bank code: “MALT”

  • Code the first 2 digits of the branch code: “01”

  • Code the U.S. check code (i.e., 8) (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 account type indicated, use a “C” for Checking.

2. Derive the DAN

The technician codes the DAN.

  • Code the letter “J” for the country code

  • Code the last digits of the branch code: “100”

  • Code the first 13 digits of the 18-digit account number “0012345MTLCAS”

3. Obtain the following information

  • IBAN: MT84MALT011000012345MTLCAST001S

  • SWIFT: Full code (example: BEPOIT21020)

  • RTN: 71MALT018

  • Checking

  • DAN: J1000012345MTLCAS

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 71MALT018

    ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: J1000012345MTLCAS

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 71MALT018

  • DAN- CJ1000012345MTLCAS

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 02402.328 Coding Netherlands Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Netherlands 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 the Netherlands. 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 Netherlands direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in the Netherlands 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-OP17 International Direct Deposit Signup Form for Netherlands; 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 Netherlands 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 “K” assigned for the Netherlands.

D. Overview of IDD for Netherlands

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

E. Description of the Netherlands IDD bank data

The data for coding IDD for Netherlands will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN provided will be 18 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 Netherlands IDD 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 the Netherlands 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 the 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 the Netherlands 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 Netherlands 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 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 procedure;

  • 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 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 the Netherlands? If no, STOP.

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

If yes, go to step 4.

4

Code the RTN field as follows:

  • Start with 71, the prefix assigned to the processor bank in the Netherlands.

  • Code two filler zeros “00”

  • Code the 4-digit bank code, which begins with a zero.

  • Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on Title II/Interactive Comps.

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

5

Code the account type:
  • “S” for savings or

  • "C" for checking.

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

6

Code the DAN as follows:

  • Start with K, as designated for the Netherlands

  • Code the 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 02402.328F.

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 Netherlands direct deposit

The customer provides us with a signup form for Netherlands containing the following information: "NL91ABNA0417164300"

  • The first 2 characters of the Netherlands IBAN are “NL”, which represents 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 4 characters represent the bank code.

  • The last 10 characters represent the account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the prefix of 71 (SSA designated prefix for IDD)

  • Code two zeros “00”

  • Code the 4-digit bank code “ABNA”

  • 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 country code “K”

  • Code the 10-digit account number: “0417164300”

3. Obtain the following information

  • IBAN: NL91ABNA0417164300 SWIFT: Full code (example: BEPOIT21020)

  • RTN: 7100ABNA8

  • Checking

  • DAN: K0417164300

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 7100ABNA8 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: K0417164300

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 7100ABNA8

  • DAN- CK0417164300

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 262 - Direct Deposit - Title II and Title XVI - 3/07/2024