Effective Dates: 4/25/2024 - Present

Identification Number:
GN 02402 TN 268
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. 268, 04/25/2024

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 Morocco, France, Ireland, Anguilla, and Antigua & Barbuda. We formatted the enrollment instructions per plain language guidelines for accuracy and consistency within our POMS.

 

Summary of Changes

GN 02402.297 Coding Morocco Bank Data on 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 updated ITS.gov coding requirements per Treasury guidelines (subsection F). We added references to subsection H.

 

GN 02402.301 Coding France Bank Data on the Master Beneficiary Record (MBR)

We modified the POMS title and added subsections A (Background) and H (References) for consistency with our IDD POMS and 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 updated ITS.gov coding requirements per Treasury guidelines (subsection F). The hyperlink for the IDD enrollment form in subsection H was removed because it already appears in subsection B.

 

GN 02402.303 Coding Ireland Bank Data on the Master Beneficiary Record (MBR)

We modified the POMS title and added subsection A and re-formatted subsections B, C, D, E, F, and G for consistency with our IDD POMS. We removed the hyperlink for the IDD enrollment form in subsection H because it already appears in B. Subsection H is now labeled "References" with a bulleted list of appropriate hyperlinks.

 

GN 02402.311 Coding Anguilla Bank Data on the Master Beneficiary Record (MBR)

Minor formatting revisions to subsections B, C, E, F, G, and H to remain consistent with our IDD POMS.

 

GN 02402.312 Coding Antigua and Barbuda Bank Data on the Master Beneficiary Record (MBR)

We made formatting changes in subsections E, F, G, and H to remain consistent with our IDD POMS.

 

GN 02402.297 Coding Morocco Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Morocco 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 Morocco. We store 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 Morocco direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Morocco 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 appropriate information to the Office of Earnings and International Operations, (OEIO, DIO) for processing.

For more detail on IDD requests and forwarding information, see

  • •

    GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • •

    GN 02402.205 Direct Deposit Enrollment Outside the U.S.

  • •

    GN 01010.255 Adjudication of Foreign Claims

  • •

    GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

B. How we receive IDD bank data

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

  • •

    Blank check;

  • •

    SSA-1199-OP58 International Direct Deposit Sign-Up Form for Morocco; or

  • •

    Any document that contains required banking information.

If upon receipt of the information, there are any discrepancies, follow instructions

C. Multi-country contract

The processing FI in Morocco has prefix "68" 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 Morocco.

D. Overview of IDD for Morocco

IDD payments sent to Morocco must be in Moroccan Dirham (MAD) 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 Morocco. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for Morocco

The data for coding IDD for Morocco comes from banks determined by the FRBKC. The bank data on the MBR reflects 27 characters including the country code of R.

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 Morocco 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.

You may establish or change IDD bank data for Morocco 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

  • •

    24-digit Relevé d'Identité Bancaire (RIB)

  • •

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

  • •

    beneficiary address

1. RIB format description

The format for the 24-digit RIB consists of the following information used for the foreign routing number:

  • •

    3-digit bank code

  • •

    3-digit location or branch code

  • •

    16-digit account number

  • •

    2-digit check number

The technician must enter the entire 24-digit RIB into the Account Number field in ITS.gov.

Additionally, enter the bank code in the bank code field and the branch code in the branch code field in ITS.gov.

2. 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-two country code (alpha only);

  • •

    Next two characters - location code (alpha and numeric) (passive participant have "1" in the second character); and

  • •

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

3. 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.

4. 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 MAD account in Morocco?

If no, STOP.

REASON: Beneficiaries in Morocco can only receive IDD payments in MAD accounts.

4

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

  • •

    Multi-country prefix of "68" for Morocco IDD;

  • •

    3-digit bank code (digits 1 through 3 of the RIB);

  • •

    3-digit branch code (digits 4 through 6 of the RIB); and

  • •

    U.S. check digit code obtained through 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 DAN for Morocco, code as follows:

  • •

    Start with a country code of "R"

  • •

    16 digits of the 24-digit account number (from the RIB)

7

 You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.297F.

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 Morocco direct deposit

The customer provides us with a signup form for Morocco containing the account number: 123456789012345678901234 (entire RIB).

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the prefix of 68;

  • •

    Code the 3-digit bank code: 123 (from RIB);

  • •

    Code the 3-digit branch code: 456 (from RIB);

  • •

    Code the U.S. check digit (i.e., 4) (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 a country code of "R" designated for Morocco; and

  • •

    Code 16 digits of the 24-digit account number: 7890123456789012.

3. Obtain the following information:

  • •

    RTN: 681234564

  • •

    Checking

  • •

    DAN: R7890123456789012

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 681234564

  • •

    ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: R7890123456789012

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 681234564

  • •

    DAN- CR7890123456789012

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 02402.301 Coding France Bank Data on the Master Beneficiary Record (MBR)

A. Background

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in France. We store 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 France direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in France 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:

  • •

    France Bank RIB-Relevé d’Identité Bancaire;

  • •

    SSA-1199-FR International Direct Deposit Signup Form for France; 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 France will have a prefix of "56" at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for France

IDD payments sent to France must be in Euro (EUR) accounts at local FIs. The beneficiary must provide complete information to the DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the (FBU) that serves France. The FBU contacts the beneficiary or FI for additional information.

E. Description of France IDD bank data

The data for coding IDD for France will come from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN will be 27 characters. Technicians will use the IBAN to derive the RTN and Depositor Account Number (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 France 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 France 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 /area 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 France 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 France 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 will not accept the International Direct Deposit (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 France? If no, STOP.

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

If yes, go to step 4.

4

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

  • •

    Multi-country prefix of "56" for France IDD.

  • •

    5-digit bank code.

  • •

    first digit of the 5-digit branch code (Code Guichet).

  • •

    U.S. check digit obtained through Title II Interactive Comps.

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

5

Code the account type:

  • •

    “S” for savings, or

  • •

    “C” for checking.

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

6

To code the DAN for France, code as follows:

  • •

    Last 4 digits of the 5-digit branch code (Code Guichet).

  • •

    11-digit Customer Account Number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.301F.

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 France direct deposit

The customer provides us with a signup form for France containing the following information: IBAN FR1420041010050500013M02606.

  • •

    The first 2 characters of the France IBAN are “FR,” the International Organization for Standardization (ISO) country code.

  • •

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

  • •

    The next 5 characters represent the bank code.

  • •

    The next 5 characters represent the branch code.

  • •

    The next 11 characters represent the account number.

  • •

    The last 2 digits are the RIB Key (CIRIB) not coded for IDD.

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the multi-country prefix: 56

  • •

    Code the 5-digit bank code: 20041

  • •

    Code the first digit of the branch code: 0

  • •

    Code the U.S. check digit (i.e., 4) (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 4 digits of the branch code: 1005

  • •

    Code the 11-digit account number: 0500013M026

3. Obtain the following information

  • •

    In ITS.gov: IBAN: FR1420041010050500013M02606 SWIFT: Full code (example: BNPAFRPPNIC)

  • •

    RTN: 562004104

  • •

    Checking

  • •

    DAN: 10050500013M026

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 562004104 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: 10050500013M026

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 562004104

  • •

    DAN- C10050500013M026

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 02402.303 Coding Ireland Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Ireland 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 Ireland. We store IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as Ireland direct deposit and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Ireland to the beneficiary's FI.

If you receive an IDD request in a U.S. domestic (i.e, non-border) field office (FO), forward all appropriate information to the Office of Earnings and International Operations, (OEIO), Division of International Operations (DIO) to process.

For detailed instructions on IDD requests and forwarding information, see

  • •

    GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.

  • •

    GN 02402.205 Direct Deposit Enrollment Outside the U.S.

  • •

    GN 01010.255 Adjudication of Foreign Claims

  • •

    GN 01702.310C Routing of Claims for U.S. Benefits Involving Totalization

B. How we receive IDD bank data

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

  • •

    Blank check;

  • •

    SSA-1199-OP98 International Direct Deposit Signup Form for Ireland; or

  • •

    Any document that contains the required banking information.

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

C. Multi-country contract

The FIs in Ireland will have a prefix of "54" at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for Ireland

IDD payments sent to Ireland must be in Euro (EUR) accounts at local FIs. The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU). DIO will fax incomplete forms to the FBU that serves Ireland. The FBU contacts the beneficiary or FI for additional information.

E. Description of Ireland IDD bank data

The data for coding IDD for Ireland will come from the International Bank Account Number (IBAN) provided to the beneficiary from their FI. The IBAN will be 22 characters. Technicians will use the IBAN to derive the RTN and Deposit Account Number (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 Ireland 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 Ireland 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)

  • •

    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 Ireland 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 Ireland 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 will not accept the International Direct Deposit (IDD) information unless the address is in a foreign country.

If yes go to step 3.

3

Is the beneficiary's account in an FI in Northern Ireland?

If yes, STOP.

Northern Ireland is part of the United Kingdom. Follow GN 02402.309 to code bank data for an account in an FI in Northern Ireland.

If no, go to step 4.

4

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

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

If yes, go to step 5.

5

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

  • •

    Multi-country prefix of "54" for Ireland IDD;

  • •

    6-digit Branch Sorting Code number. If the beneficiary gives you only the name and address of the financial institution, look up the code in the latest version of the “Sorting Code Numbers” directory. Do not code the dashes.

  • •

    Code the U.S. check digit obtained Title II Interactive Comps from the Main Menus 07/Sub Menu 16.

6

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.

7

To derive the DAN for Ireland, code:

8-digit account number.

8

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.303F.

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 Ireland direct deposit

The customer provides us with a signup form for Ireland containing the IBAN: IE29AIBK93115212345678.

  • •

    The first 2 characters of the Ireland IBAN are “IE”, 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.

  • •

    Positions 9 through 14 represent the bank sort code.

  • •

    The last 8 characters represent the account number.

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the prefix: 54 (SSA designated prefix for IDD);

  • •

    Code the 6-digit bank sort code: 931152;

  • •

    Code the U.S. check digit (i.e., 2) 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 8-digit bank account number: 12345678.

3. Obtain the following information

In ITS.gov: IBAN: IE29AIBK93115212345678 SWIFT: Full code (example: BEPOIT21020)

  • •

    RTN: 549311522

  • •

    Checking

  • •

    DAN: 12345678

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 549311522 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: 12345678

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 549311522

  • •

    DAN- C12345678

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 02402.311 Coding Anguilla Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Anguilla 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 Anguilla. 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 Anguilla direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Anguilla 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-OP1 International Direct Deposit Signup Form for Anguilla; or

  • •

    Any document that contains required banking information.

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

C. Multi-country contract

Citibank is the processor bank for IDD to several countries, including Anguilla. All Caribbean countries for which Citibank is the processor bank 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 Anguilla is “A.”

D. Overview of IDD for Anguilla

IDD payments sent to Anguilla must be in Eastern Caribbean dollar (XCD) 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 Anguilla. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Anguilla IDD bank data

The data to code IDD for Anguilla comes from banks determined by the FRBKC. The bank data on the MBR reflects 22 characters including the country code of "A."

F. Procedure for coding Anguilla 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 Anguilla 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 (up to 12 digits)

  • •

    3-digit bank code

  • •

    5-digit branch code (also known as the Transit Number)

  • •

    beneficiary address (no P.O. Box allowed)

  • •

    beneficiary phone number

  • •

    country

  • •

    enrollment status

  • •

    first and last name of the beneficiary

  • •

    payee indicator

  • •

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

1. Obtain Swift-BIC code from the FI

The SWIFT code contains a minimum of 8 characters, and a maximum of 11 characters:

  • •

    first four characters - bank code (alpha only);

  • •

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

  • •

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

  • •

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

2. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that the beneficiary receives payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to our agency.

3. Add or update bank data using SSA systems

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

  • •

    update ITS.gov on the same day;

  • •

    enter all POS direct deposit changes according to normal procedures;

  • •

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

Step

Action

1

Are you coding an initial claim?

If yes, go to step 3.

If no,go to step 2.

2

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

If no, STOP.

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

If yes, go to step 3.

3

Is the beneficiary's account a XCD account in Anguilla? If no, STOP.

REASON: Beneficiaries in Anguilla can only receive IDD payments in XCD accounts.

If yes, go to step 4.

4

The RTN is 700000106 RTN for Anguilla. It contains the:

  • •

    Multi-country prefix of “70” for Anguilla IDD;

  • •

    U.S. check digit code of “6” at the end of the RTN for all IDD accounts in Anguilla.

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 DAN for Anguilla, code:

  • •

    "A" is designated for Anguilla,

  • •

    account number (up to 12 digits).

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.311F.

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 Anguilla direct deposit

The customer provides us with a signup form for Anguilla containing the account number: “1234567890112233445566.”

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the RTN of 700000106

  • •

    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 “A” designated for Anguilla; and

  • •

    Code the 12-digit account number: 123456789011.

3. Obtain the following information

  • •

    RTN: 700000106

  • •

    Checking

  • •

    DAN: A123456789011

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000106 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: A123456789011

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 700000106

  • •

    DAN- CA123456789011

H. References

 

GN 02402.312 Coding Antigua and Barbuda Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Antigua and Barbuda 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 Antigua and Barbuda. 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 Antigua and Barbuda direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Antigua and Barbuda 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-OP2 International Direct Deposit Signup Form for Antigua and Barbuda; 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 Antigua and Barbuda has a prefix of “74” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “D” assigned for Antigua and Barbuda.

D. Overview of IDD for Antigua and Barbuda

IDD payments sent to Antigua and Barbuda must be in Eastern Caribbean dollar (XCD) 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 Antigua and Barbuda. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Antigua and Barbuda IDD bank

The data to code IDD for Antigua and Barbuda comes from banks determined by the FRBKC. The bank data on the MBR reflects 22 characters including the country code of "D."

F. Procedure for coding Antigua and Barbuda 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 Antigua and Barbuda 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 (up to 12 digits);

  • •

    3-digit bank code;

  • •

    5-digit branch code (also known as the Transit Number);

  • •

    beneficiary address; (no P.O. Box allowed)

  • •

    beneficiary phone number;

  • •

    country;

  • •

    enrollment status;

  • •

    first and last name of the beneficiary;

  • •

    payee indicator;

  • •

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

1. Obtain SWIFT-BIC code from the FI

The SWIFT code contains a minimum of 8 characters, and a maximum of 11 characters:

  • •

    first four characters - bank code (alpha only);

  • •

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

  • •

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

  • •

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

2. Process initial award

You must update ITS.gov with the bank account information prior to processing an initial award to ensure that the beneficiary receives payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to our agency.

3. Add or update bank data using SSA systems

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

  • •

    update ITS.gov on the same day;

  • •

    enter all POS direct deposit changes according to normal procedures;

  • •

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

    Step

    Action

    1

    Are you coding an initial claim?

    If yes, go to step 3.

    If no, go to step 2.

    2

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

    If no, STOP.

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

    If yes, go to step 3.

    3

    Is the beneficiary's account a XCD account in Antigua and Barbuda? If no, STOP.

    REASON: Beneficiaries in Antigua and Barbuda can only receive IDD payments in XCD accounts.

    If yes, go to step 4.

    4

    The RTN is 740000030 RTN for Antigua and Barbuda. It contains the:

    • –

      Multi-country prefix of “74” for Antigua and Barbuda IDD;

    • –

      U.S. check digit code of “0” at the end of the RTN for all IDD accounts in Antigua and Barbuda.

    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 DAN for Antigua and Barbuda, code:

    • –

      “D” is designated for Antigua and Barbuda,

    • –

      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 02402.312F.

    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 Antigua and Barbuda direct deposit

The customer provides us with a signup form for Antigua and Barbuda containing the account number: “1234567890112233445566.”

1. Derive the RTN

The technician enters the information for the RTN.

  • •

    Code the RTN of 740000030; and

  • •

    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 “D” designated for Antigua and Barbuda; and

  • •

    Code the 12-digit account number: 123456789011.

3. Obtain the following information

  • •

    RTN: 740000030

  • •

    Checking

  • •

    DAN: D123456789011

a. POS reflects the direct deposit information

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 740000030 ACCOUNT TYPE (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: D123456789011

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • •

    RTN- 740000030

  • •

    DAN- CD123456789011

H. References

 

GN 02402 TN 268 - Direct Deposit - Title II and Title XVI - 4/25/2024