Identification Number:
GN 02402 TN 167
Intended Audience:See Transmittal Sheet
Originating Office:DCBFM OFPO
Title:Direct Deposit - Title II and Title XVI
Type:POMS 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. 167, 07/10/2020

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

Our office provides the Federal Benefit Units (FBUs) and the Office of Earnings and International Operations (OEIO) with International Direct Deposit (IDD) bank requirements and SSA-1199 IDD enrollment forms. Technicians use the enrollment forms to process Title II IDD claims for beneficiaries in participating IDD countries. Every IDD country has a separate SSA-1199 form. This transmittal hyperlinks the form in each section.

 

Summary of Changes

GN 02402.308 Coding Swedish Bank Data for the Master Beneficiary Record (MBR)

Subsection E, We hyperlinked the SSA-1199 form.

Title, We added Master Beneficiary Record (MBR) acronym

 

GN 02402.430 Coding Arab Emirates Bank Data on the Master Beneficiary Record (MBR)

Subsection B, We hyperlinked the SSA-1199 form.

GN 02402.308 Coding Swedish Bank Data for the Master Beneficiary Record (MBR)

A. Introduction - Coding Swedish Bank Data

Because of the complexities of Swedish banking, the Swedish FIs sometimes delete essential digits from the bank data or include digits that are not used for electronic funds transfer. The Federal Benefits Unit (FBU) in Norway is experienced in reviewing the data for possible errors and contacting the FI if there is a question. Therefore, all Swedish IDD coding will be done or reviewed by the FBU in Oslo, Norway.

This section describes how to code bank data for direct deposit of Title II benefits to a bank in Sweden. The bank data will be stored on the MBR in the same fields as are used for U.S. direct deposit. Special coding identifies the data as Swedish IDD and allows benefit payments to route through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Sweden to the beneficiary's FI.

The data for coding Swedish IDD may come from a signup form for Sweden (see GN 02402.308E.) or from the equivalent information received by mail, phone, fax, or E-mail.

NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing (For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C).

B. Description - Swedish Bank Data

Swedish bank data consists of a Bank Identification and Account Number (ID) of up to 17 digits.

For banks with an ID that begins with 8, the 5th digit is deleted by special software in FRBKC. Sometimes the FI deletes the 5th digit before coding the bank data on the signup form. Since the length of the ID is variable, there is no way to tell whether the 5th digit is present. The payment then rejects at the processor FI because two digits have been removed. The FBU must verify the presence of the 5th digit for all bank IDs beginning with 8 before coding for input.

A Routing and Transit Number (RTN) of 570000006 is used for all Swedish IDD. This RTN consists of the following:

  • The prefix 57, which SSA has designated for Swedish IDD;

  • Six zeros; and

  • A Check Digit of 6, which is the U.S. Check Digit for 57000000.

C. Procedure - Coding Swedish Routing and Account Numbers for International Direct Deposit

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

STEP

ACTION

1

Does the bank data begin with an 8?

  • If yes, verify with the bank that the 5th digit is included in the bank data as given.

  • If no, go to step 2

2

Are you coding an initial claim?

  • If yes, go to step 5.

  • If no, go to step 3.

3

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.

4

Is the beneficiary's account a U.S. dollar account in Sweden? If yes, STOP.

REASON: This must be a Swedish kronor account.

5

Code the Type of Account as Checking.

6

Code the Depositor Account Number field with the Bank Identification and Account Number.

7

Code the Routing and Transit Number field with 570000006.

8

Was the bank data coded or reviewed by the FBU in Norway?

  • If yes, input.

  • If no, STOP. Request verification by the FBU before input.

D. Example - Coding Swedish Direct Deposit

The FBU receives a signup form with a Bank Identification and Account Number of 23345678900.

The Depositor Account Number will be: 23345678900.

The Routing and Transit Number will be: 570000006.

E. Exhibit - IDD Enrollment Form for Sweden (SSA-1199-SW)

To view this form click on: SSA-1199-SW .

GN 02402.430 Coding Arab Emirates Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding United Arab Emirates 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 United Arab Emirates. 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 United Arab Emirates direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in United Arab Emirates 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-OP112 International Direct Deposit Signup Form for United Arab Emirates; 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 United Arab Emirates has a prefix of “73” at the beginning of the Routing and Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “L” assigned for United Arab Emirates.

D. Overview of IDD for United Arab Emirates

IDD payments sent to United Arab Emirates must be in United Arab Emirates Dirham (AED) 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 United Arab Emirates. The FBU contacts the beneficiary or FI for the additional information.

E. Description of IDD bank data for United Arab Emirates

The data to code IDD for United Arab Emirates comes from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The bank data on the MBR reflects 27 characters including the country code of L.

F. Policy to code bank data for United Arab Emirates

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 United Arab Emirates (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 (system populates);

  • beneficiary address;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • IBAN payee indicator;

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

NOTE: 

The IBAN radio button is required.

1. Obtain SWIFT-BIC code from the FI

The SWIFT code consists of the following 8 to 11 alphanumeric characters:

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

  • Next two characters - ISO 3166-1 alpha-two 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

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 an AED account in United Arab Emirates?

If no, STOP.

REASON: Beneficiaries in United Arab Emirates can only receive IDD payments in AED accounts.

If yes, go to step 4.

4 The RTN is 730000079 for all IDD in United Arab Emirates. SSA and FRBKC have designated “73” as the multi-country prefix for United Arab Emirates IDD. The “9” at the end of the RTN represents the U.S. check digit code for all IDD accounts in United Arab Emirates. Therefore, there is 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 United Arab Emirates, code:

• “L” designated for United Arab Emirates

• the 16 digit account number

7

You must take action on the same business day to enter all the information into ITS.gov as listed in the introduction of GN 02402.430F 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 bank data for United Arab Emirates

The customer provides us with the IBAN AE070331234567890123456

  • The first two characters of a United Arab Emirates IBAN are “AE,” that represents the International Organization for Standardization (ISO) country code.

  • The third and fourth characters of the IBAN are the IBAN check digits.

  • The fifth through seventh characters of the IBAN represent the three-digit bank code.

  • The last 16 digits of the IBAN represent the 16-digit account number.

NOTE: 

The technicians should never code the IBAN ISO country code or the check digit to the MBR.

1. Derive the RTN

The technician must code the RTN as follows:

  • Code an RTN of 730000079

  • 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 United Arab Emirates

  • Start with the country code of “L” designated for United Arab Emirates; and

  • Code the 16-digit Account Number “1234567890123456”

a. You must obtain this information

  • RTN: 730000079

  • Checking

  • DAN: L1234567890123456

b. The POS coding reflects this information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 730000079

  • ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: L1234567890123456

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

c. The MBR reflects this information

  • RTN: 730000079

  • DAN: CL1234567890123456

H. References


GN 02402 TN 167 - Direct Deposit - Title II and Title XVI - 7/10/2020