Effective Dates: 7/01/2024 - Present

Identification Number:
GN 02402 TN 273
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS Full Transmittals
Program:Title II (RSI),Title VIII (SVB)
Link To Reference:
 

PROGRAM OPERATIONS MANUAL SYSTEM

Part GN – General

Chapter 024 – Checks

Subchapter 02 – Direct Deposit - Title II and Title XVI

Transmittal No. 273, 07/01/2024

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 formatted the enrollment instructions per plain language guidelines for accuracy and consistency within our Program Operations Manual System (POMS) for the countries of Hungary, Japan, and India. The procedures for IDD enrollment are not changing. Because instructions in these POMS are country-specific, we did not add ITS.gov requirements (as issued by Treasury); all enrollment instructions, including in ITS.gov, will not change.

Summary of Changes

GN 02402.341 Coding Hungary Bank Data on the Master Beneficiary Record (MBR)

In this section, we made the following changes:

  • •

    Updated the section title for consistency with other IDD POMS.

  • •

    Updated hyperlinks for ITS.gov throughout this section.

  • •

    Created a new subsection A to contain the introduction paragraph already present.

  • •

    Moved the hyperlink for the SSA-1199 IDD Sign-up Form to subsection B

  • •

    Made grammatical and plain-language edits to subsections C, D, E, F and G.

  • •

    Updated the fax and Paperless fax number for OEIO in subsection F, E.4 (table).

  • •

    Added references to subsection H.

GN 02402.343 Coding Japan Bank Data on the Master Beneficiary Record (MBR)

  • •

    Updated section title for consistency with other IDD POMS.

  • •

    Inserted a hyperlink to the SSA-1199 in subsection B.

  • •

    Made formatting, grammatical, and plain-language edits to subsections A, B, C, D, E, and F.

  • •

    Added references to subsection G and updated the title.

GN 02402.344 Coding India Bank Data for the Master Beneficiary Record (MBR)

  • •

    Updated section title for consistency with other IDD POMS.

  • •

    Moved hyperlink for SSA-1199 to subsection B.

  • •

    Updated mailing address in subsection D.

  • •

    Made formatting, grammatical, and plain-language edits to subsections A, B, C, D, E, and F.

  • •

    Added references to subsection G and updated the title.

GN 02402.341 Coding Hungary Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Hungary 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 Hungary. The bank data goes into the same Master Beneficiary Record (MBR) fields as U.S. direct deposit data. Special coding identifies the data as IDD for Hungary and allows benefit payments to go through the Federal Reserve Bank of Kansas City (FRBKC) and the contractor bank to the beneficiary's FI.

IDD for Hungary (along with Poland and Panama) requires more digits than are available in the SSA direct deposit (Routing Transit Number (RTN) and Depositor Account Number (DAN)) fields. Full information must be on the website for the International Treasury Services (ITS.gov ) so the Federal Reserve Bank of Kansas City (FRBKC) can add the extra digits before sending the payments to Hungary’s banks. All IDD payments to Hungary go to U.S. dollar accounts. The U.S. Embassy in Budapest reviews all completed forms for correct data. Either the Federal Benefit Unit (FBU) in Warsaw, Poland, or Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) makes the inputs into ITS.gov. Procedures vary according to the office that receives the IDD request.

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-HU-OP1 International Direct Deposit Signup Form for Hungary; or

  • •

    Any document that contains required banking information.

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

C. Policy for IDD to Hungary

1. Currency

IDD payments to Hungary can go only to U.S. dollar ac counts . At this time, IDD payments cannot go to Hungary currency (forint) accounts.

2. Coding Hungary IDD data

Any IDD for Hungary that is coded directly to the MBR must also be coded in ITS.gov . Because the MBR cannot accept all 26 digits for Hungary banking, complete bank information must be on ITS.gov for each beneficiary.

D. Description of Hungary bank data

1. The bank and account codes

Hungary bank data in the International Bank Account Number (IBAN) consists of the following 28 characters:

  • •

    The 2-letter prefix HU.

  • •

    2 check digits.

  • •

    A 3-digit bank code.

  • •

    A 4-digit branch code. 1 check digit.

  • •

    A 15-digit account number.

  • •

    Another check digit.

The enrollment form requires the IBAN, which contains the letters “HU” followed by 26 digits. All 26 digits must be filled-in. If it is not complete, the office that has the form can fax or mail it to the U.S. Embassy in Budapest for review and correction. The fax number is located in DOORS.

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

Because there are not enough spaces for Hungary bank data in the RTN and the DAN fields on the MBR, only a portion of the full code will appear on the MBR. However, the full IBAN code must be in ITS.gov .

E. Process for reviewing and applying Hungary bank data

1. Reviewing Hungary bank data

Send completed enrollment forms to the U.S. Embassy in Budapest for review. The reviewer at the Embassy corrects any problems with the provided data and routes the form to the FBU in Warsaw, Poland for input into ITS.gov .

NOTE: The Warsaw FBU, a “hub” office, assists with some of the work for Hungary.

The Embassy in Budapest resolves any question about the validity of Hungary IDD data.

2. Applying Hungary bank data to the MBR

The FBU in Warsaw, Poland keys the full bank data into ITS.gov . FRBKC then sends a portion of the bank data to SSA through the Automated Enrollment (Quick$tart). The data takes at least 2 days to post to the MBR. Because the MBR does not have enough spaces in the RTN and DAN fields to accept all of the coding for Hungary, FRBKC does not send the final 2 digits of the IBAN (from the record in ITS.gov ) to SSA.

When the FBU in Warsaw receives the enrollment form for input within 3 days of the direct-deposit cutoff, the FBU also makes an input directly to the MBR.

3. Applying the remainder of the bank data before payment

When a payment for Hungary arrives, FRBKC checks the payment against the information for that beneficiary in ITS.gov . If the information matches, FRBKC adds the remaining characters to complete the IBAN. If the information does not match, FRBKC sends the payment information to the U.S. Embassy in Budapest to resolve the discrepancy.

F. Procedure for coding Hungary bank data

 

IF…

…THEN, on the chart below…

1.

You are in the Embassy in Budapest, Hungary,

Follow the instructions in E.1.

2.

You are in the FBU in Warsaw, Poland, or in OEIO,

Follow the instructions in E.2.

3.

You are in an FBU or consular office other than in Hungary or Poland,

Follow the instructions in E.3.

4.

You are in a field office or regional office (RO) in the U.S.,

Follow the instructions in E.4.

1. E1. Instructions for the U.S. Embassy in Hungary

 

U.S. Embassy in Hungary

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. REASON: The MBR doesn’t accept IDD information if the beneficiary has a U.S. address.

2.

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

If yes, go to step 3.

If no, contact the beneficiary to get correct info. Go to step 3.

3.

Fax the correctly completed form to the FBU in Warsaw for input. STOP.

2. E2. Instructions for the FBU in Poland, or OEIO

​

If...

Then...

1.

The cutoff date is three or fewer days from today,

Code the full IBAN to ITS.gov .

Follow the steps in E3 to code the bank data to the MBR.

2.

The cutoff date is at least four days from today,

Code the full IBAN to ITS.gov .

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

3. E3. Instructions for an FBU or consular office other than in Hungary or Poland

 

If

Then

1.

If the cutoff date is three or fewer days from today, OR if you are not certified to enter data on ITS.gov ,

Then go to Step 3.

2.

If the cutoff is four or more days from today, AND you are certified to enter data on ITS.gov ,

Then input the full IBAN to ITS.gov , and fax the enrollment form to the Embassy in Budapest (at the fax number on DOORS) for review, with a note that you have input the information to ITS.gov. You don’t need to input to the MBR. ITS.gov sends the correct information to the MBR through Automated Enrollment. STOP.

3.

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

If yes, go to Step 4.

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

4.

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

If yes, go to step 5.

If this is a forint account, send the form to the Embassy in Budapest, Hungary, to contact the beneficiary for correct info. This must be a USD account in Hungary.

If it is a bank account in another country, follow the directions for that country. STOP.

5.

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.

6.

To begin coding the Routing and Transit Number (RTN) field (9 digits total), start with 66, the multi-country prefix SSA and FRBKC have designated for Hungary IDD.

7.

Skip the first 4 characters of the IBAN, which consist of HU and two check digits. Code the next 6 digits of the IBAN, which are the first 6 digits of the bank and branch numbers.

8.

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

9.

Code the Depositor Account Number (DAN) field, starting with E, the letter assigned to Hungary in the group of countries using prefix 66.

10.

Code the next 16 digits of the IBAN. Do not code the final 2 digits.

11.

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 U.S. Embassy in Budapest (using the fax number on DOORS) for their review. Tell them you have entered the information on both the MBR and ITS.gov.

If no, fax the completed form to the Warsaw FBU for review and input to ITS.gov. Tell them you have entered the info on the MBR only. STOP.

4. E.4. Instructions if you are in an FO or RO in the U.S.

 

For FO or RO

1.

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

2.

Fax the completed form to OEIO’s Paperless fax number at 1-877-385-0645 or 18773850645@barcode.ba.ssa.gov (Paperless PC8 e-fax). STOP.

G. Examples of coding Hungary direct deposit

1. Example 1

A week before the cutoff for direct deposit, the FBU in Warsaw receives a completed enrollment form for a checking account in Hungary. The bank data is as follows:

HU12345678123456789012345678

The FBU codes the full information in ITS.gov . In 3 days, the following information appears on the MBR, having been sent from FRBKC through Auto Enroll.

RTN: 663456787

DAN: CE1234567890123456

(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" in the DAN field.)

2. Example 2

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

Information provided

Olvashatóan töltse ki az IBAN számot az alábbi négyzetekben. Minden négyzetbe kerüljön számjegy.

(Translation: Print the IBAN number in the blocks below. All of the blocks must be filled.)

H

U

1

2

3

4

5

6

7

8

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 66, then skips the first 4 characters of the IBAN (HU12), and codes the next 6 digits of the IBAN, 345678. They add the U.S. check digit, 7, at the end, making the RTN 663456787.

The technician then begins the DAN field with E, the letter assigned for Hungary, followed by the next 16 digits of the IBAN, 1234567890123456. They do not code the final 2 digits of the IBAN.

The DAN on the MBR is now E1234567890123456.

The technician then codes the full information from the enrollment form to ITS.gov and faxes the enrollment form to the Embassy in Budapest for a post-input review. They also send a note informing the Embassy of both the inputs to the MBR and in ITS.gov.

3. Example 3

DIO receives a completed form 10 days before the cutoff. Only 22 digits are shown on the form. Since it is more than 4 days before the cutoff, the module faxes the form to the U.S. Embassy in Budapest for a pre-input review. The Embassy corrects the form and faxes it to the FBU in Warsaw for input to ITS.gov . The FBU in Warsaw inputs the corrected data. 3 days later, the information is on the MBR.

NOTE: The FBU in Warsaw is the “hub” office that assists with some of Hungary's work.

4. Example 4

Ms. P, who lives in Hungary, is visiting a friend in the U.S. She mentions that she wishes she could have her Social Security payments sent to her bank account, as her friend does. The 2 individuals contact the local SSA office. Mr. T says he can have the form for Ms. P at the front desk. The receptionist gives Ms. P the form in English, and Ms. P completes it. Mr. T then faxes the completed form to the Paperless fax number at DIO.

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 02402.343 Coding Japan Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Japan 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 Japan. Japan bank account data is stored on the MBR in the same fields that are used for U.S. direct deposit. Special coding identifies the data as IDD for Japan and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the contractor bank to the beneficiary's FI.

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

The beneficiary must provide complete information to the Office of Earnings and International Operations, Division of International Operations (OEIO DIO) or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves Japan. The FBU contacts the beneficiary or FI for additional information.

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

  • •

    Blank check;

  • •

    SSA-1199-JA International Direct Deposit Signup Form for Japan; or

  • •

    Any document that contains required banking information.

The form is also available from OEIO; a U.S. Embassy or Consulate office in Japan; and Tokyo FBU in Tokyo, Japan.

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

C. Description of Japan IDD bank data

The IDD coding for Japan consists of 14 or 15 characters, as follows:

  • •

    A 4-digit bank code.

  • •

    A 3-digit branch code.

  • •

    An account number of 7 or 8 digits.

NOTE: 

Most bank accounts in Japan are savings accounts.

D. Process

1. Reviewing Japan Bank Data

Completed enrollment forms are routed to the Social Security section at Tokyo FBU in Tokyo, Japan for review and input. They review the forms for completion and return them for completion or correction if necessary.

Any question about the validity of any Japan IDD data is routed to DIO or FBU.

If routing information for the selected bank is not yet on the list at FRBKC, the beneficiary must obtain the full name and address of the bank, and its SWIFT code. If a bank or branch uses another bank to route its direct deposits, that information must be given also.

2. Coding Japan bank data to the MBR

The data is examined at the Tokyo FBU to see if the bank data is already on the list of Japan banks that FRBKC can reach with payments. If not, the Tokyo FBU asks FRBKC if this data can be added to FRBKC's internal list.

The staff at Tokyo FBU inputs the approved data into ITS.gov. FRBKC then sends the data to SSA through Automated Enrollment for input to the MBR.

When DIO receives an enrollment for Japan, the input can be done through either the applicable SSA software or ITS.gov. If it is within 4 days of the cutoff for direct deposit, DIO must code directly to the MBR.

E. Procedure for coding Japan bank data

The preferred place to code the information is ITS.gov. Use the following procedure to code IDD of Title II benefits to FI accounts in Japan when the direct deposit cutoff is within 4 days, or when you are unable to code in ITS.gov.

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 not, STOP.

REASON: The MBR will not accept IDD information if the beneficiary has a U.S. address. You must change the U.S. address to the beneficiary's address outside the country, and input the direct deposit the following day.

3.

Code the Type of Account (on the SSA screen) as Checking or Savings. If you do not know the type for an FI account, code it as Savings. Most bank accounts for individuals in Japan are savings accounts.

IMPORTANT: Do not code a "C" for checking or an "S" for savings as part of the Depositor Account Number (DAN) on the input screen because it will cause the payment to reject at FRBKC. It is interpreted as an incorrect multi-country code.

4.

To begin coding the Routing and Transit Number (RTN) field (9 digits total), start with "66", the multi-country prefix SSA and FRBKC have designated for Japan IDD.

5.

Code the first 6 digits of the bank account data, as follows:

  • •

    The 4-digit bank code, and

  • •

    The first 2 digits of the branch code.

IMPORTANT: IDD is not yet available for postal accounts in Japan.

6.

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

7.

For the first character of the DAN field, code a "Y" for a Yen account.

NOTE: 

SSA does not have IDD for U.S. dollar accounts in Japan.

8.

Code the final digit of the branch code, and all 7 or 8 digits of the account number.

F. Examples of coding Japan direct deposit

1. Example 1

Three days before the cutoff, DIO receives a completed enrollment form for Japan for a Yen savings account. The bank code is "1234", the branch code is "123", and the account number is "90876543."

a. The RTN coding

  • •

    The technician selects “Savings” and starts the RTN with: 66.

  • •

    They add the 4-digit bank code: 1234.

  • •

    They add the first 2 digits of the branch code: 12.

  • •

    Then they add the U.S. Check Digit: 1 (derived from Title II Interactive Comps).

  • •

    The RTN will be: 661234121.

b. The DAN coding

  • •

    The technician inputs "Y" for Yen.

  • •

    They add the remaining digit of the branch code: 3.

  • •

    They add the account number: 90876543.

  • •

    The DAN will be: Y390876543.

2. Example 2

On the cutoff day for input to the MBR, the SSA staff in Tokyo receives a request for IDD to a Japan bank savings account in Yen. The beneficiary writes that their bank code is "1234", their branch code is "512", and the account number is "98765432."

a. The RTN coding

  • •

    The technician selects “Savings” and starts the RTN with: 66.

  • •

    They add the next 6 digits: the bank code: 1234 and the first 2 digits of the branch code: 51.

  • •

    Then they add the U.S. Check Digit: 6 (derived from Title II Interactive Comps).

  • •

    The RTN will be: 661234516.

b. The DAN coding

  • •

    The technician inputs "Y" for Yen.

  • •

    They add the remaining digit of the branch code: 2.

  • •

    They add the account number: 98765432.

  • •

    The DAN will be: Y298765432.

3. Example 3

Ten days before cutoff, the SSA staff in Tokyo receives a completed form for IDD to a Yen account at an FI in Japan. The technician enters all the information in ITS.gov. Three days later the MBR displays the IDD information with “AUTO ENROLL.”

4. Example 4

Three days before cutoff, OEIO receives a request for IDD to a Yen account at an FI in Japan. The technician first completes the enrollment in ITS.gov . After clicking to calculate the RTN and DAN, they copy the information to paper and then to the MBR.

G. 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 02402.344 Coding India Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding India 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 India. We store India bank account data on the MBR in the same fields used for U.S. direct deposit. Benefit payments, routed through the Federal Reserve Bank of Kansas City (FRBKC) and a contractor bank to the beneficiary's FI, use special coding to identify the data as IDD for India.

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-IN International Direct Deposit Signup Form for India; or

  • •

    Any document that contains required banking information.

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

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 India. The FBU contacts the beneficiary or FI for additional information.

C. Description of India direct deposit data

The IDD coding for India bank data consists of up to 28 characters, including the country code of “I”:

  1. 1. 

    An 11-digit India Financial System Code (IFSC), including:

    • •

      A 5-character alphanumeric bank code (last character is always a zero); and

    • •

      A 6-character alphanumeric branch code; and

  2. 2. 

    An account number which begins with the letter “I” and contains up to 16 digits.

D. Processing India bank data

1. Reviewing India bank data

The Veterans Administration Regional Office (VARO) in Manila reviews the forms and returns them for additional information or correction if necessary. Route all completed enrollment forms for review and input to one of the following addresses:

Federal Benefits Unit

US Embassy

1201 Roxas Boulevard

Ermita, Manila 0930

Philippines

Or

Social Security Administration

Office of Earnings and International Operations

PO Box 17769

Baltimore, MD 21235-7769, USA

Direct any questions about the validity of any bank data for an India FI to the servicing Embassy, Consulate General, or Consulate in India.

If routing information for the selected bank is not yet on the list at FRBKC, the beneficiary must obtain the full name and address of the bank, and its Society for Worldwide Interbank Financial Telecommunication (SWIFT) code. If a bank or branch uses another bank to route its direct deposits, provide all routing information for that bank.

2. Applying India bank data to the MBR

VARO examines the bank data to see if it is already on the list of India banks that FRBKC can reach with payments. If not, VARO asks the FRBKC to add the data to their internal list.

The VARO staff keys the approved data into Treasury’s ITS.gov. FRBKC then sends the data to SSA through Automated Enrollment for input to the MBR.

If DIO receives the documents, they input the data through the applicable SSA software or ITS.gov. If it is within 4 days of the cutoff for direct deposit, DIO must code the data directly to the MBR.

NOTE: 

When the Depositor Account Number (DAN), including the alpha code of “I” is longer than 17 characters, you must use ITS.gov to code the full banking information, as the MBR cannot house over 17 characters in the DAN field.

E. Procedure for coding India bank data

The FRBKC relies on SSA to provide them with the entire bank information to ensure correct posting of payments to a customers’ bank account. If the information is incomplete, the FRBKC rejects the payment and returns it to SSA. The preferred method for coding bank data for direct deposit in India is through ITS.gov. However, DIO technicians can use the procedure outlined below to code IDD of Title II benefits to the MBR for accounts in India if:

  • •

    the direct deposit cutoff is within 4 days, or

  • •

    you are unable to code the information directly into ITS.gov .

You cannot use ITS.gov if the direct deposit cutoff is within 4 days. Technicians must use an SSA system to code the data directly to the MBR.

NOTE: 

Any time an account number is longer than 5 digits, DIO must also input the bank information into ITS.gov .

STEP

ACTION

1.

Are you coding an initial claim?

  • •

    If yes, go to step 3.

  • •

    If no, go to step 2.

2.

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

  • •

    If yes, go to step 3

  • •

    If no, STOP.

REASON: The MBR does not accept IDD information if the beneficiary has a U.S. address. You must change the U.S. address to the beneficiary's address outside the country, and input the direct deposit the following day.

3.

The Routing Transit Number (RTN) is 660000000 for India. It contains the:

  • •

    Multi-country prefix of “66” for India IDD;

  • •

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

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

4.

Code the account type (on the SSA screen) as Checking or Savings. There is no default in India. SSA needs to know specifically whether the account is a Checking or Savings accounts.

5.

For the first character of the DAN field, code an “I” for an India Rupee account.

NOTE: 

SSA does not have IDD for U.S. dollar accounts in India.

6.

Code the IFSC (see GN 02402.344C) and the entire account number.

NOTE: 

Code only the first 5 digits of the account number to the MBR. If the account number has more than five characters, you will also need to input the entire account data into ITS.gov on the same business day on the same business day . The FRBKC cannot ensure that the payment will deposit to the correct account without the full account number.

F. Examples of coding India direct deposit

Example 1

Three days before the cutoff, DIO receives a completed enrollment form for India for a Rupee Savings Account. The IFSC is A12B025CT35 (bank code is A12B0 and branch code is 25CT35), and the account number is 67890.

The technician processes the enrollment via POS, by completing the fields as follows:

  • •

    Code an RTN of 660000000

  • •

    Account Type field of “S”, for savings account

  • •

    Dan of “I” (for India Rupee) A12B0 (the 5-character alphanumeric bank code), 25CT35 (the 6-character alphanumeric branch code), and 67890 (the first 5 digits of the account number

The coding in POS will reflect the following information:

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000000 ACCOUNT TYPE (C/S): S

  • •

    DEPOSITOR ACCOUNT NUMBER: IA12B025CT3567890

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

The MBR will reflect the following information:

  • •

    RTN- 660000000

  • •

    DAN- SIA12B025CT3567890

Since the MBR is able to house all of the bank info in this example, there is no need to update ITS.gov . The information coded on the MBR will interface with ITS.gov.

Example 2

Three days before the cutoff, DIO receives a completed enrollment form for India for a Rupee Checking Account. The bank is A12B0, the branch is 25CT35, and the account number is 6789012345.

The technician processes the enrollment via POS by completing the fields as follows:

  • •

    Code the RTN with 660000000 ;

  • •

    The Account Type Field of “C”, for checking account; and

  • •

    The DAN of “I” (for India Rupee), A12B0 (the 5-character alphanumeric bank code), 25CT35 (the 6-character alphanumeric branch code), and the first 5 digits of the account number of 6789012345.

NOTE: 

You need to enter the bank information into ITS.gov on the same business day since the account number is over 5 digits long.

The coding in POS will reflect:

  • •

    DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660000000 ACCOUNT TYPE: (C/S): C

  • •

    DEPOSITOR ACCOUNT NUMBER: 1A12B025CT3567890

  • •

    CANCEL DIRECT DEPOSIT (Y):

  • •

    DIRECT EXPRESS (Y):

The MBR will reflect the following information:

  • •

    RTN- 660000000

  • •

    DAN- CIA12B025CT3567890

G. 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 273 - Direct Deposit - Title II and Title XVI - 7/01/2024