Identification Number:
GN 02402 TN 199
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. 199, 09/20/2021

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). These instructions provide technicians with updated bank data coding requirements for financial institutions in Barbados and Bahama Islands. Technicians use the instructions to enroll beneficiaries into IDD to receive Social Security Title II benefits in this country electronically.

 

Summary of Changes

GN 02402.314 Coding Bahama Islands Bank Data for the MBR

Title, We added Master Beneficiary Record followed by the acronym per plain language guidelines.

Subsection F, We added new requirements for coding Bahama Islands bank data.

 

GN 02402.315 Coding Barbados Bank Data for the MBR

Title, We added Master Beneficiary Record followed by the acronym per plain language guidelines.

Subsection F, We added new requirements for coding Barbados bank data.

GN 02402.314 Coding Bahama Islands Bank Data for the Master Beneficiary Record (MBR)

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

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

For detailed instructions on IDD requests and forwarding information, see

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

  • GN 02402.205, Direct Deposit Enrollment Outside the U.S.

  • GN 01010.255, Adjudication of Foreign Claims

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

B. How we receive IDD bank data

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

  • Blank check;

  • SSA-1199-OP4 International Direct Deposit Signup Form for Bahama Islands; or Any document that contains required banking information.

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

C. Multi country-contract

Citibank is the processor bank for IDD to several countries, including the Bahama Islands. All Caribbean countries for which Citibank is the processor bank have a prefix of 70 at the beginning of the routing number (RTN) and an assigned letter in the first position of the Depositor Account Number (DAN). The letter assigned for Bahama Islands is “D.”

D. Overview of IDD for Bahama Islands

IDD payments sent to Bahama Islands must be in Eastern Bahamian dollar (BSD) 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 Bahama Islands. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Bahama Islands IDD bank data

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

F. Procedure for coding Bahama Islands bank data

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

You may establish or change IDD bank data for Bahama Islands using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

  • account ownership

  • account type;

  • account number;

  • 3 digit bank code;

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

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

  • beneficiary phone number;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

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

1. Obtain Swift-BIC code from the FI

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

  • first four characters - bank code (alpha only);

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

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

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

2. Process initial award

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

3. Add or update bank data using SSA systems

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

  • update ITS.gov on the same day;

  • enter all POS direct deposit changes according to normal procedures;

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

Step

Action

1

Are you coding an initial claim?

If yes, go to step 3.

If no,go to step 2.

2

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

If no, STOP.

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

If yes, go to step 3.

3

Is the beneficiary's account a BSD account in Bahama Islands? If no, STOP.

REASON: Beneficiaries in Bahama Islands can only receive IDD payments in BSD accounts.

If yes, go to step 4.

4

The RTN is 700000164 RTN for Bahama Islands. It contains the:

  • Multi-country prefix of “70” for Bahama Islands IDD;

  • U.S. check digit code of “4” at the end of the RTN for all IDD accounts in Bahama Islands.

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 Bahama Islands, code:

  • "D" is designated for Bahama Islands,

  • 12 digits account number.

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.314F.

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 Bahama Islands direct deposit

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

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the RTN of 700000164

  • Code the type of account as a “C” for checking or an “S” for savings. If no account type indicated, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN.

  • Start with the country code of “D” designated for Bahama Islands; and

  • Code 12 digits account number “123456789011”

3. Obtain the following information

  • RTN: 700000164

  • Checking

  • DAN: D123456789011

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000164 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: D123456789011

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 700000164

  • DAN- CD123456789011

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 02402.315 Coding Barbados Bank Data for the Master Beneficiary Record (MBR)

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

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

For detailed instructions on IDD requests and forwarding information, see

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

  • GN 02402.205, Direct Deposit Enrollment Outside the U.S.

  • GN 01010.255, Adjudication of Foreign Claims

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

B. How we receive IDD bank data

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

  • Blank check;

  • SSA-1199-OP1 International Direct Deposit Signup Form for Barbados; or Any document that contains required banking information.

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

C. Multi-country contract

Citibank is the processor bank for IDD to several countries, including Barbados. All Caribbean countries for which Citibank is the processor bank have a prefix of 70 at the beginning of the routing number (RTN) and an assigned letter in the first position of the Depositor Account Number (DAN). The letter assigned for Barbados is “F.”

D. Overview of IDD for Barbados

IDD payments sent to Barbados must be in Eastern Barbadian dollar (BBD) 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 Barbados. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Barbados IDD bank data

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

F. Procedure for coding Barbados bank data

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

You may establish or change IDD bank data for Barbados using an SSA system (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)).

You must then go to ITS.gov to enter the following data:

  • account ownership;

  • account type;

  • account number;

  • 3 digit bank code;

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

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

  • beneficiary phone number;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

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

1. Obtain Swift-BIC code from the FI

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

  • first four characters - bank code (alpha only);

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

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

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

2. Process initial award

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

3. Add or update bank data using SSA systems

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

  • update ITS.gov on the same day;

  • enter all POS direct deposit changes according to normal procedures;

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

Step

Action

1

Are you coding an initial claim?

If yes, go to step 3.

If no,go to step 2.

2

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

If no, STOP.

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

If yes, go to step 3.

3

Is the beneficiary's account a BBD account in Barbados? If no, STOP.

REASON: Beneficiaries in Barbados can only receive IDD payments in BBD accounts.

If yes, go to step 4.

4

The RTN is 700000177 RTN for Barbados. It contains the:

  • Multi-country prefix of “70” for Barbados IDD;

  • U.S. check digit code of “7” at the end of the RTN for all IDD accounts in Barbados.

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 Barbados, code:

• "F" is designated for Barbados,

• 12 digits account number,

7

You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.315F.

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 Barbados direct deposit

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

1. Derive the RTN

The technician enters the information for the RTN.

  • Code the RTN of 700000177

  • Code the type of account as a “C” for checking or an “S” for savings. If no account type indicated, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN.

  • Start with the country code of “F” designated for Barbados; and

  • Code 12 digits account number “123456789011”

3. Obtain the following information

  • RTN: 700000177

  • Checking

  • DAN: F123456789011

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700000177 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: F123456789011

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 700000177

  • DAN- CF123456789011

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 199 - Direct Deposit - Title II and Title XVI - 9/20/2021