Effective Dates: 5/03/2024 - Present

Identification Number:
GN 02402 TN 269
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. 269, 05/03/2024

Audience

PSC: BA, CA, CCRE, CS, DS, ICDS, IES, ILPDS, IPDS, ISRA, PETE, RECONR, SCPS, TSA, TST;
OCO-OEIO: BIES, BTE, CCRE, CR, CTE, FCR, PETL, RECOVR;
OCO-ODO: BTE, CCE, CR, CST, CTE, EHI, LCC, LSC, PAS, PCS, PETL, RC, RCOVTA, RECONR, RECOVR;
FO/TSC: CS, CS TII, CS TXVI, CSR, CTE, FR, OA, OS, RR, TA, TSC-CSR;

Originating Component

OFPO

Effective Date

Upon Receipt

Background

International Direct Deposit (IDD) service is a joint effort between our agency and the Federal Reserve Bank of Kansas City (FRBKC). We are seeking accuracy and consistency within out IDD POMS, therefore, the content of the policies is not changing.

 

Summary of Changes

GN 02402.338 Coding Mexican Bank Data for the MBR

Subsection A, we added a subsection to have a background introductory paragraph.

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

Subsection F, we added the subsection for references.

 

GN 02402.340 Coding Polish Bank Data for the MBR

Subsection A, we added a subsection to have a background introductory paragraph.

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

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

Subsection H, we added the subsection for references.

 

GN 02402.342 Coding Panamanian Bank Data for the Master Beneficiary Record (MBR)

Subsection A, we added a subsection to have a background introductory paragraph.

Subsection B, we formatted the language per plain language guidelines.

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

Subsection H, we added the subsection for references.

GN 02402.338 Coding Mexico Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Mexico 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 Mexico. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the data as Mexico direct deposit and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the Bank of Mexico 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-SPOP2 International Direct Deposit Signup Form for Mexico; or

  • •

    Any document that contains required banking information.

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

C. Description of Mexico Bank Data

There are two possibilities for Mexico bank data: the 18-digit CLABE for a regular bank account, or the 3-digit bank code plus the 16-digit Debit Card information, totaling 19 digits.

The 18-digit CLABE is constructed as follows:

  • •

    3-digit ABM Bank Number (#ABM de Banco),

  • •

    3-digit Locality (Plaza),

  • •

    11-digit Account Number (Número de Cuenta), and

  • •

    1-digit Check Digit (Digito Verificador).

If the beneficiary requests direct deposit to a Debit Card Account (Tarjeta de Débito), the necessary information is as follows:

  • •

    3-digit ABM Bank Number (#ABM de Banco),

  • •

    16-digit Debit Card Number (Tarjeta de Débito). The Debit Card Number is shown on the Debit Card.

D. Procedure for coding Mexico Routing and Account Numbers for IDD

Use this procedure to code direct deposit of Title II benefits to FIs in Mexico.

  1. 1. 

    1. Are you coding an initial claim?

    • •

      If yes, go to step 3.

    • •

      If no, go to step 2.

  2. 2. 

    Is the beneficiary’s address on the MBR in a foreign country (PCOC = 8)? If not, STOP.

    REASON: The MBR will not accept the International Direct Deposit (IDD) information if the beneficiary has a U.S. address.

  3. 3. 

    Is the beneficiary’s account a Mexican peso checking account at an FI in Mexico, or a debit card account? If not, STOP.

    REASON: Mexico banking rules do not allow deposits from outside the country to a savings account. It is also not legal to have an account in Mexico in U.S. dollars.

  4. 4. 

    Code the Type of Account as Checking. (Mexico savings accounts cannot be reached by direct deposit.)

  5. 5. 

    Is the bank information a CLABE of 18 digits?

    • •

      If yes, go to Step 6.

    • •

      If no, go to Step 8.

  6. 6. 

    When the bank information is a CLABE, code the Routing and Transit Number (RTN) field (9 digits total) as follows:

    • •

      Start with 63, the prefix SSA has designated for Mexico direct deposit.

    • •

      Code the 3-digit ABM de Banco (the first 3 digits of the CLABE).

    • •

      Code two zeros (00).

    • •

      Code the first digit of the ABM de Banco again. (This is the first digit of the 18-digit CLABE.)

    • •

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

  7. 7. 

    Code the Depositor Account Number (DAN) field with the 17 remaining digits of the CLABE as follows:

    • •

      The second and third digits of the ABM de Banco,

    • •

      The 3 digits of the Plaza,

    • •

      The 11 digits of the Número de Cuenta, and

    • •

      The 1-digit Digito Verificador. STOP.

  8. 8. 

    When the bank information includes a Debit Card Number (Tarjeta de Débito), code the Routing and Transit Number (RTN) field (9 digits total) as follows:

    • •

      Code the 3-digit ABM de Banco.

    • •

      Code two zeros (00).

    • •

      Code the first digit of the 16-digit Debit Card Number (Tarjeta de Débito).

    • •

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

  9. 9. 

    Code the Depositor Account Number (DAN) field with the remaining 15 digits of the Debit Card Number.

E. Examples – Coding Mexico Direct Deposit

EXAMPLE 1: A signup form for Mexico contains the following information:

 

#ABM de Banco:               541

Plaza:                               123

Número de Cuenta               12345678901

Digito Verificador                3

 

 

The coder begins the Routing and Transit Number with 63, followed by the ABM de Banco (541), followed by 00, followed by the first digit of the ABM de Banco (5), followed by the U.S. check digit of 2.

The Routing and Transit Number will be 635410052. (The final digit, 2, is the U.S. check digit for 63541005.)

The coder codes the Depositor Account Number field with the second and third digits of the ABM de Banco (41), the 3-digit Plaza 123), the 11-digit

Número de Cuenta (12345678901) and the 1-digit Digito Verificador (3).

The Depositor Account Number will be 41123123456789013.

EXAMPLE 2: The beneficiary sends the following information by fax to OIO:

“My CLABE is 856345123456789017.”

The Routing and Transit Number will be 638560080. (The final digit, 0, is the U.S. check digit for 63856008.)

The Depositor Account Number will be 56345123456789017.

EXAMPLE 3: The enrollment form has an ABM number of 123 and a Debit Card Number (Tarjeta de Débito) of 4445556667778889.

The coder begins coding the Routing and Transit Number (RTN) with 63, the prefix assigned to IDD for Mexico.

Next the coder codes the 3-digit ABM number, 123, followed by two zeros (00).

Next comes the first digit of the 16-digit Debit Card number, 4, followed by the U.S. Check Digit for 63123004, which is 5.

The RTN will be 631230045.

The coder then codes the Depositor Account Number (DAN) field with the remaining 15 digits of the Debit Card Number, 445556667778889.

The DAN will be 445556667778889.

F. 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 02402.340 Coding Poland Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Poland 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 Poland. 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 Poland direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Poland to the beneficiary's local FI.

Poland (along with Hungary and Panama) requires more digits than are available in SSA’s direct deposit (RTN and DAN) fields. Full information must be on the International Treasury Services website (ITS.gov) so the Federal Reserve Bank of Kansas City (FRBKC) can add the extra digits before sending the payments to Poland’s banks. Only a small number of banks in Poland can accommodate SSA’s International Direct Deposit (IDD) payments. All IDD payments to Poland go to U.S. dollar accounts. Procedures vary according to the office that receives the IDD request. IDD enrollment forms in Polish and English are included at (GN 02402.340G) in this section.

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 Poland; or

  • •

    Any document that contains required banking information.

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

C. Overview of IDD for Poland

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

D. Description of Poland bank data

1. The IBAN code

The IDD coding for Poland bank data uses the International Bank Account Number (IBAN), which consists of 28 characters, as follows:

  • •

    PL, the IBAN code for international payments to Poland;

  • •

    2 check digits;

  • •

    An 8-digit bank and branch code (This must have all 8 digits.); and

  • •

    A 16-digit account number. (This must have all 16 digits.)

2. Poland bank data on the MBR and ITS.gov

Because there are not enough total spaces in the Routing and Transit Number (RTN) and the Depositor Account Number (DAN) fields on the MBR, only a portion of the full IBAN code goes on the MBR. However, the full IBAN code must be on the website for the International Treasury Services (ITS.gov), a Department of the Treasury Internet-based program used by FRBKC for IDD.

E. Process for applying Poland bank data

1. Applying Poland bank data to the MBR

The FBU in Warsaw or DIO keys the complete bank data to ITS.gov. The International Treasury Service then sends a portion of the bank data to SSA through Automated Enrollment (Quick$tart). SSA's MBR doesn’t have enough spaces in the RTN and DAN fields to accept all of the IBAN code for Poland, so some of the data doesn’t go to the MBR.

When the cutoff for direct deposit is near, the FBU or DIO codes the full data for ITS.gov and the correct data for the MBR.

2. Applying the remainder of the bank data before payment

When a payment for Poland arrives, FRBKC checks the payment against the information for that beneficiary on ITS.gov. If the information matches, FRBKC adds the remaining characters to complete the IBAN. If the information doesn’t match, FRBKC sends the payment information to the FBU to resolve the discrepancy.

F. Procedures for coding routing and account numbers for International Direct Deposit (IDD) to Poland

Use this chart to determine which instructions to follow:

If you are in…

 

Follow instructions in this subsection at …

The FBU in Poland, or OEIO

GN 02402.340E.1.

An FBU outside Poland

GN 02402.340E.2.

A U.S. field office (FO) or regional office (RO).

GN 02402.340E.3.

1. Instructions for the FBU in Poland, or OEIO

If…

Then…

The cutoff date is three or fewer days from today,
  • •

    Code the full IBAN to ITS.gov .

  • •

    To code the bank data to the MBR, follow the steps in this section at GN 02402.340E.2.

The cutoff date is at least four days from today,
  • •

    Code the full IBAN to ITS.gov.

  • •

    ITS sends the information for the MBR to DIO through Automated Enrollment. You don’t need to code directly to the MBR.

2. Instructions for an FBU outside Poland

1.

 

Is the beneficiary’s address on the MBR outside the U.S.?

If yes, go to Step 2.

If no, STOP. The MBR does not accept IDD information if the beneficiary has a U.S. address.

2.

Is the beneficiary’s account a USD account at an FI in Poland?

If yes, go to Step 3.

If no, return the request. STOP . This must be a USD account in Poland.

3.

Code the Type of Account (on the SSA screen) as checking or savings. If you don’t know the type of account, code it as checking.

4.

To begin coding the Routing and Transit Number (RTN) field (nine digits total), start with 70, the multi-country prefix that SSA and FRBKC have designated for Polish IDD. (NOTE: Poland has the same contractor code as the Caribbean countries.)

5.

Skip the first four characters of the IBAN, which consist of PL and two check digits. Code the next six digits of the IBAN (the first six digits of the eight-digit bank-branch code).

6.

Code the U.S. check digit. Obtain the check digit from Title II Interactive Comps.

7.

Code the Depositor Account Number (DAN) field, starting with E, the country code for Poland for the multi-country contractor that uses the 70 prefix.

8.

Code the next 16 digits of the IBAN (the last 2 digits of the bank/branch number and the first 14 digits of the account number).

9.

Are you certified to enter data on ITS.gov?

If yes, input the full IBAN information to ITS.gov , and fax the enrollment form to the FBU in Warsaw for review.

If no, fax the completed form to the Warsaw FBU (at the fax number on DOORS). STOP.

3. Instructions if you are in an FO or RO in the U.S.

1.

Print and complete the English version of the enrollment form for Poland, SSA-1199-PO-OP1. If the beneficiary reads Polish, allow the beneficiary to use the Polish version, SSA-1199-PO.

2.

Fax the completed form to OEIO’s paperless fax number at 877-385-0645 STOP.

G. Examples of coding Polish direct deposit to the MBR

1. Example 1

Five days before the direct deposit cutoff, the FBU in Warsaw receives a completed enrollment form for a USD checking account at a bank in Poland that is on the acceptable list. The IBAN is as follows:

PL 12 1240 1125 1787 0000 1234 5678

The FBU technician codes the full information on ITS.gov , but does not need to code directly to the MBR because it isn’t within three days of the cutoff. In three days, the following information appears on the MBR:

RTN: 701240114

DAN: CE2517870000123456

(The system has placed the C in the DAN field because the FBU selected “Checking” in “Type of Account.” The technician must never code a C or S for checking or savings at the beginning of the DAN field.)

2. Example 2

Three days before the cutoff date for direct deposit, OEIO receives an enrollment form for an individual in Poland. The form, from one of the banks the FBU has approved for IDD to Poland, contains the following information:

Poland

Code

Two Check Digits

Bank-Branch Code

Account Number

​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

P

L

1

2

1

2

4

0

1

0

3

7

1

2

3

4

5

6

7

8

9

0

1

2

3

4

5

6

The DIO technician codes the full IBAN information to ITS.gov and then begins the coding on SSA's direct deposit screens. They begin the RTN field with 70, skips PL and the two check digits (12), then codes the first six digits of the Bank-Branch Code (124010). Adds the U.S. check digit (1) at the end, making the RTN 701240101.

The technician then begins the DAN field with E, the country code for Poland with the contractor bank that uses 70 as the prefix at the front of the RTN field. Next adds the final two digits of the Bank-Branch Code (37), and finishes with the first 14 digits of the Account Number (12345678901234).

The DAN is now E3712345678901234.

3. Example 3

DIO receives a letter from a beneficiary in Poland asking to have their direct deposit changed to a USD account at Bank PEKAO SA. The IBAN is given as the following:

PL 23 1240 1024 1787 0010 1234 5678.

DIO notes that it is very near the cutoff date for direct deposit. The technician begins with the SSA direct deposit screens, so the IDD information will be on the MBR in time for the cutoff.

  • •

    RTN: The technician begins the RTN with 70, the contractor's prefix for Poland, then he skips over the first four characters of the IBAN (PL23), and follows the 70 with the next six digits (124010). This makes the RTN 70124010, so far. The technician adds the check digit of 1, so the full RTN is 701240101.

  • •

    DAN: The technician places an E at the start of the DAN field, to show this is for Poland and skips over PL (23) and the digits already coded. Codes the next 16 digits (2417870010123456 ). The DAN is now E2417870010123456.

After transmitting the information to the MBR, he codes the full information on ITS.gov .

4. Example 4

DIO receives an enrollment request from an individual to have IDD to a zloty account at a bank in Poland. DIO returns the enrollment form with an explanation indicating that we are sending payments only to USD accounts in Poland. DIO includes a new form and informs the individual to send a completed form to the FBU in Warsaw if they have a USD account.

5. Example 5

An individual who lives in Poland, is visiting their sister in the U.S. The sister talks into requesting direct deposit to his U.S. dollar bank account in Poland. She takes him to the servicing FO in Huntington Park, California, where the service representative checks the bank data and sees that this is an approved bank for IDD. The service representative asks if they can read English, and they say it would prefer the form in Polish, if possible. She prints both form SSA-1199-PO and form SSA-1199-PO-OP1, so she can use the English translation to assist, if necessary. Mr. V completes and signs the Polish language form. After reviewing it to be sure it has all the necessary information, the service representative faxes the completed form to OEIO’s paperless fax number.

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 02402.342 Coding Panama Bank Data for the Master Beneficiary Record (MBR)

A. Background for coding Panamabank data

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

IDD for Panama (along with Poland and Hungary) requires more digits than are available in the SSA direct deposit (RTN and DAN) fields. Full information must be on ITS.gov so the Federal Reserve Bank of Kansas City (FRBKC) can add the extra digits before sending the payments to Panama’s banks. All bank accounts in Panama are U.S. dollar accounts. The U.S. Embassy in Panama City reviews all completed forms for correct data. The Federal Benefit Unit (FBU) in San Jose, Costa Rica, makes the inputs to ITS.gov . Procedures vary according to the office that receives the IDD request. Panamanian IDD enrollment forms are available at the end of this section.

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-OP21 International Direct Deposit Signup Form for Panama; or

  • •

    Any document that contains required banking information.

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

C. Overview of IDD for Panama

IDD payments sent to Panama must be in U.S. dollars (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 Panama. The FBU contacts the beneficiary or FI for the additional information.

NOTE: The Panamanian balboa is on a par with the U.S. dollar and is available only in coins. The balboa is mainly for use in vending machines.

D. Description of Panama bank data

1. Bank and account codes

The IDD coding for Panama bank data consists of 27 digits, as follows:

  • •

    A 9-digit bank code. (This must have all 9 digits.)

  • •

    An up to 18-digit account number. (This must have up to 18 digits.)

2. Panamanian bank data on the MBR and ITS.gov

Because there are not enough total spaces for Panama bank data in the Routing and Transit Number (RTN) and the Depositor Account Number (DAN) fields on the MBR, only a portion of the full code goes on the MBR. However, the full code must be on ITS.gov , a Department of the Treasury Internet-based program developed by FRBKC for IDD.

E. Process for applying Panama bank data

1. Applying Panama bank data to the MBR

The FBU in Costa Rica keys the complete bank data to ITS.gov . FRBKC then sends a portion of the bank data to SSA through Automated Enrollment (Quick$tart). The data takes at least two days to post to the MBR. SSA's MBR doesn’t have enough spaces in the RTN and DAN fields to accept all of the coding for Panama, so the final 4 digits (from the record on ITS.gov ) are no t sent to SSA.

When the cutoff for direct deposit is near, the FBU in Costa Rica codes the full data to ITS.gov and codes the correct data for the MBR. When DIO makes an input for Panama IDD, DIO then faxes the enrollment form or request to the Embassy in Panama City for review, with a note that it has been input to ITS.gov and the MBR.

2. Applying the remainder of the bank data before payment

When a payment for Panama arrives at FRBKC, FRBKC checks it against the information for that beneficiary on ITS.gov If the information matches, FRBKC adds the remaining 4 digits from ITS.gov to complete the account number. If the two sets of information do not match, FRBKC contacts the Embassy in Panama City to resolve the difference.

3. Routing a completed enrollment form

In general, beneficiaries mail completed enrollment forms to the U.S. Embassy in Panama City. The Embassy verifies that the coding is complete and accurate and sends the completed forms to the FBU in San José, Costa Rica, for input. If the beneficiary calls to enroll, or if the form is incomplete, the Embassy completes the form and sends it to the San José FBU.

F. Procedure for coding routing and account numbers for International Direct Deposit (IDD) to Panama

 

If you are in…

Follow the instructions in …

1.

the Embassy in Panama City,

GN 02402.342E.1.

2.

the FBU in San José, Costa Rica

GN 02402.342E.2.

3.

DIO, or an FBU that is not in Panama or Costa Rica,

GN 02402.342E.3.

4.

a field office (FO) or regional office (RO) in the U.S., or a consular office other than in Panama or Costa Rica,

GN 02402.342E.4.

1. Instructions for the U.S. Embassy in Panama City, Panama

STEP

ACTION

1.

Review the form for accuracy.

 

2.

Is the form correctly completed with accurate information?

  • •

    If yes, go to Step 3.

  • •

    If no, contact the beneficiary and make any necessary corrections. Go to Step 3.

3.

Send the corrected form to the FBU in San José for input. STOP.

2. Instructions for DIO or the FBU in San José, Costa Rica

IF…

THEN…

1. You receive a completed form to input, and the cutoff date is three or fewer days from today,
  • •

    Code the full bank and account data to ITS.gov .

  • •

    Follow the instructions in GN 02402.342E.3. to code the data to the MBR.

2. You receive a completed form to input, and the cutoff date is at least four days from today,
  • •

    Code the full bank and account data to ITS.gov .

  • •

    ITS sends the information for the MBR to DIO through Automated Enrollment. You do not need to code directly to the MBR.

3. The FBU in Panama City, Panama, has not reviewed the bank and account data,
  • •

    Fax the form to the FBU in Panama City, Panama, at the fax number on DOORS.

  • •

    Send a note to let them know that you have input only to ITS.gov , or to both ITS.gov and the MBR. STOP.

 

3. Instructions for an FBU that is not in Panama or Costa Rica

Step

FBU Location

 

1.

 

Is the beneficiary’s address on the MBR outside the U.S.?

  • •

    If yes, go to Step 2.

  • •

    If no, return the form to the beneficiary. STOP. The MBR doesn’t accept IDD information if the beneficiary has a U.S. address.

2.

 

Code the Type of Account (on the SSA screen) as checking or savings. If you don’t know the type of account, code it as checking.

IMPORTANT: Never code a C for checking or an S for savings as part of the Depositor Account Number on the input screen. A “C” or “S” coded at the start of the Depositor Account Number input causes the payments to reject at FRBNY.

3.

To begin coding the Routing and Transit Number (RTN) field (nine digits total), start with 64, the prefix that SSA and FRBNY have designated for Panamanian IDD.

4.

Code the first six digits of the nine-digit bank code.

5.

Code the U.S. check digit. Obtain the check digit from Title II Interactive Comps.

6.

Code the Depositor Account Number (DAN) field, starting with the last three digits of the bank code.

7.

Code the first 14 digits of the account number.

8.

Are you certified to enter data on ITS.gov ?

  • •

    If yes, input the full bank and account information to ITS.gov .

  • •

    If no, fax the completed form to the San José FBU (at the fax number on DOORS) for input to ITS.gov . Let them know you have coded the information to the MBR. STOP.

4. Instructions if you are in an FO or RO in the U.S., or a consular office that is not in Panama or Costa Rica

Step

Procedure

1.

Print and complete the enrollment form for Panama, SSA-1199-OP21, which is available at GN 02402.342G.

2.

Fax the completed form to DIO’s paperless fax number at (410) 597-1800. STOP.

G. Examples of coding Panama direct deposit

1. Example 1

The FBU in San José, Costa Rica, receives a completed enrollment form for a checking account in Panama. The bank data is given as follows:

123456789 123456789012345678

The FBU codes the full information on ITS.gov In three days, the following information appears on the MBR, having been sent from FRBKC through Auto Enroll:

RTN: 641234565

DAN: C12345678901234

(The system has placed the C in the DAN field because the FBU selected checking in Type of Account. The coder should never code a C in the DAN field.)

2. Example 2

Three days before the cutoff date for direct deposit, DIO receives an enrollment form from an individual in Panama. The form contains the following information:

Bank Number

Account Number

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

(Must have all 9 digits)

(Must have all 18 digits)

 ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​ ​

1

2

3

4

5

6

7

8

9

1

2

3

4

5

6

7

8

9

0

1

2

3

4

5

6

7

8

The DIO technician begins the RTN field with 64, then codes the first six digits of the Bank Code (123456). Adds the U.S. check digit (5), at the end, making the RTN 641234565.

Begins the DAN field with the final three digits of the bank code (789), and finishes with the first 14 digits of the Account Number, 12345678901234.

The DAN for the MBR is now 78912345678901234.

The technician then codes the full information from the enrollment form to ITS.gov annotates the date of input on the form, and faxes the enrollment form to the U.S. Embassy in Panama City for review of the bank data.

3. Example 3

A retired Federal employee living in Panama who is visiting their son in Minneapolis, MN, goes to a small field office in that area to request direct deposit of his wife’s Social Security, for which they are the representative payee. The service rep prints form SSA-1199-OP21 and asks to complete it. The form is completed by the representative payee.

The service rep faxes the completed form to the paperless fax number at OEIO.

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 269 - Direct Deposit - Title II and Title XVI - 5/03/2024