Identification Number:
GN 02402 TN 106
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Transmittals
Program:Title II (RSI); Title XVI (SSI)
Link To Reference:
 
PROGRAM OPERATIONS MANUAL SYSTEM
Part 02 – General
Chapter 024 – Checks
Subchapter 02 - Direct Deposit - Title II and Title XVI
Transmittal No. 106, 06/2018

Audience

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

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 established new IDD procedures for Guatemala and Montserrat based on requirements provided by the Department of the Treasury. We also updated existing IDD procedures for Peru based on information provided by Treasury.

Summary of Changes

GN 02402.376 Coding Peru Bank Data on the Master Beneficiary Record (MBR)

Subsection F
- Per new requirements provided by Treasury, we updated the fifth bullet to instruct technicians to input the beneficiary ID (8 digit DNI or TAX ID) when entering information into ITS.gov.

Subsection H - We included related reference links.

GN 02402.411 Coding Guatemala Bank Data on the Master Beneficiary Record (MBR)

This new section provide bank data coding requirements for financial institutions in Guatemala. Technicians use this instruction to enroll beneficiaries into IDD, which allows electronic receipt of Social Security Title II benefits in this country.


GN 02402.412 Coding Montserrat Bank Data on the Master Beneficiary Record (MBR)

This new section provide bank data coding requirements for financial institutions in Montserrat. Technicians use this instruction to enroll beneficiaries into IDD, which allows electronic receipt of Social Security Title II benefits in this country.



GN 02402.376 Coding Peru Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Peru 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 Peru. The Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Peruvian direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Peru 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, 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-OP43 International Direct Deposit Signup Form for Peru; or

  • Any document that contains the required banking information.

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

  • GN 00203.020, Identity of Claimants

  • GN 02402.025, Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI for Peru has a prefix of 70 at the beginning of the Routing Transit Number (RTN).

D. Overview of IDD for Peru

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 Peru. The FBU contacts the beneficiary or FI for additional info.

E. Description of Peruvian IDD bank data

The data for coding IDD for Peru comes from banks determined by the FRBKC.

The bank data for Peru reflected on the MBR consists of up to 27 characters including the country code of Q for Peru.

F. Policy for coding Peru bank data

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

When establishing or changing IDD bank data for Peru, you can use an SSA system (i.e. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)). However, you must go to ITS.gov to enter the following:

  • account number

  • account ownership;

  • account type;

  • beneficiary address;

  • beneficiary ID (enter the 8 digit DNI or TAX ID as either DNIXXXXXXXX or TAX IDXXXXXXXX)

  • CCI (Codigo de Cuenta Interbancario) (20 digits)

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

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

1. The SWIFT code should consist of 11 alphanumeric characters

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

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

  • Next two characters - location code (letters and digits) (passive participant have "1" in the second character); and

  • Last three characters - branch code, optional ('XXX' for primary office) (letters and digits).

2. Process initial award

If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure the beneficiary receives his or her payment.

If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA.

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 on the same day ITS.gov ;

  • 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 PEN account in Peru? If no, STOP.

REASON: Beneficiaries in Peru can only receive IDD payments in PEN accounts.

If yes, go to step 4

4

The RTN is 700000025 for all IDD to Peru. It contains the:

  • multi-country prefix of “70” for Peru IDD;

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

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

5

Code the Type of Account as:

  • “S” for savings; or

  • “C” for checking.

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

6

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

  • Start with a country code of Q designated for Peru

  • Code the Customer Account Number (up to 16 digits).

7

You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.376F in this section

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 Peru direct deposit

The customer provides us with a signup form for Peru containing the Account Number 1234567890123456.

1. Derive the RTN

The technician must code the RTN as follows:

  • Code an RTN of 700000025;

  • 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

To derive the DAN, code as follows:

  • Start with an alpha country code of “Q” designated for Peru;

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

  1. The technician must obtain the following:

    • RTN: 700000025

    • Checking

    • DAN: Q1234567890123456

  2. The coding in an SSA System reflects:

    • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000025

    • ACCOUNT TYPE (C/S): C

    • DEPOSITOR ACCOUNT NUMBER: Q1234567890123456

    • CANCEL DIRECT DEPOSIT (Y):

    • DIRECT EXPRESS (Y):

  3. The MBR reflects the following information:

    • RTN- 700000025

    • DAN- CQ1234567890123456

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 02402.411 Coding Guatemala Bank Data on the Master Beneficiary Record (MBR)

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

  • Any document that contains required banking information.

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

  • GN 00203.020 Identity of Claimants

  • GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Guatemala will have a prefix of “71” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “W” assigned for Guatemala.

D. Overview of IDD for Guatemala

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

E. Description of IDD bank data for Guatemala

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

F. Policy to code bank data for Guatemala

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 us. When you use our system to establish or change IDD bank data for Guatemala (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:

  • account ownership

  • account type

  • beneficiary address

  • beneficiary ID

  • branch name and address

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

  • International Bank Account Number (IBAN)

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

  • 13 digit Tax ID (CUI)

NOTE: The Tax Identification “CUI” number is assigned to each citizen at the moment of applying for a Personal Identification Document (PID). The CUI will have 13 numbers; the last four numbers are assign based on the city and state where you were born.

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

Prior to processing an initial award, you must update ITS.gov with the bank account information to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to us.

3. Add or update bank data using our systems

When you add or update IDD bank data using our 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 the chart in this section when you process 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 Guatemala? If no, STOP.

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

If yes, go to step 4.

4

The RTN is 710000086 RTN for Guatemala. It contains the:

Multi-country prefix for Guatemala IDD is “71”

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

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

5

Code the account type:

“S” for savings, or

“C” for checking.

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

6

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

W” is designated for Guatemala,

16 digits of the 20-digit account number,

7

You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.411F in this section.

You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.

FRBKC rejects the payment and returns it to us when we do not send all required information.

G. Example of coding direct deposit for Guatemala

The customer provides us with a signup form for Guatemala containing the account number: GT82TRAJ01020000001210029690.

  • The first character of IBAN is “GT,” which represent the International Organization for Standardization (ISO) country code.

  • The third and fourth characters are the IBAN check digit. Never code the IBAN country code or check digit to the MBR.

  • The next 4 characters of the IBAN represents the bank code.

  • The last 20 digits of the IBAN represent the account number.

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 710000086

  • 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

Code the DAN for Guatemala.

  • Start with the country code of “W” designated for Guatemala; and

  • Code 16 digits of the 20-digit account number “0102000000121002”

  1. You must obtain the following:

    • RTN: 710000086

    • Checking

    • DAN: W0102000000121002

  2. The POS coding reflects this information:

    • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000086 ACCOUNT TYPE (C/S): C

    • DEPOSITOR ACCOUNT NUMBER: W0102000000121002

    • CANCEL DIRECT DEPOSIT (Y):

    • DIRECT EXPRESS (Y):

  3. The MBR reflects this information:

    • RTN- 710000086

    • DAN- CW0102000000121002

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 02402.412 Coding Montserrat Bank Data on the Master Beneficiary Record (MBR)

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

  • Any document that contains required banking information.

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

  • GN 00203.020 Identity of Claimants

  • GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contract

The processing FI in Montserrat will have a prefix of “71” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “U” assigned for Montserrat.

D. Overview of IDD for Montserrat

IDD payments sent to Montserrat must be in East 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 Montserrat. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for Montserrat

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

F. Policy to code bank data for Montserrat

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 us. When you use our system to establish or change IDD bank data for Montserrat (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:

  • account ownership

  • account type

  • account number

  • beneficiary address

  • country

  • enrollment status

  • first and last name of the beneficiary

  • payee indicator

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

NOTE: The bank, branch, account number radio button is required.

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

Prior to processing an initial award, you must update ITS.gov with the bank account information to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to us.

3. Add or update bank data using our systems

When you add or update IDD bank data using our 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 the chart in this section when you process 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 Montserrat? If no, STOP.

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

If yes, go to step 4.

4

The RTN is 710000060 RTN for Montserrat. It contains the:

Multi-country prefix for Montserrat IDD is “71”

U.S. check digit code of “0” for all IDD accounts in Montserrat (at the end of the RTN).

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

5

Code the account type:

“S” for savings, or

“C” for checking.

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

6

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

U” is designated for Montserrat,

16 digits of the 29-digit account number,

7

You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.412F in this section.

You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.

FRBKC rejects the payment and returns it to us when we do not send all required information.

G. Example of coding direct deposit for Montserrat

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

1. Derive the RTN

Enter the information for the RTN.

  • Code the RTN of 710000060

  • 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

Code the DAN for Montserrat.

  • Start with the country code of “U” designated for Montserrat; and

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

  1. You must obtain the following:

    • RTN: 710000060

    • Checking

    • DAN: U1234567890112233

  2. The POS coding reflects this information:

    • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000060 ACCOUNT TYPE (C/S): C

    • DEPOSITOR ACCOUNT NUMBER: U1234567890112233

    • CANCEL DIRECT DEPOSIT (Y):

    • DIRECT EXPRESS (Y):

  3. The MBR reflects this information:

    • RTN- 710000060

    • DAN- CU1234567890112233

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 106 - Direct Deposit - Title II and Title XVI - 06/14/2018