SSA - POMS: GN 02402.335 - Coding Trinidad and Tobago Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Trinidad and Tobago 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 Trinidad and Tobago. 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 Trinidad and Tobago direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Trinidad and Tobago 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

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GN 02402.201 Background and Policy for Direct Deposit Outside the U.S.
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GN 02402.205 Direct Deposit Enrollment Outside the U.S.
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GN 01010.255 Adjudication of Foreign Claims
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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:

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Blank check;
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SSA-1199-OP26 International Direct Deposit Signup Form for Trinidad and Tobago; or
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Any document that contains required banking information.

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

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GN 00203.020 Identity of Claimants
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GN 02402.025 Direct Deposit Post Entitlement Interview

C. Multi-country contact

The processing FI in Trinidad and Tobago will have a prefix of “70” at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “R” assigned to Trinidad and Tobago.

D. Overview of IDD for Trinidad and Tobago

IDD payments sent to Trinidad and Tobago must be in Trinidad and Tobago Dollar (TTD) 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 Trinidad and Tobago. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Trinidad and Tobago IDD bank data

The data to code IDD for Trinidad and Tobago comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 21 characters including the country code of R, the 3-digit bank code, 5-digit branch code, and 12-digit account number.

F. Procedure for coding Trinidad and Tobago 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 Trinidad and Tobago 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:

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first and last name of the beneficiary
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payee indicator
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enrollment status
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country
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account type
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account ownership
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3-digit bank code
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5-digit branch code
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account number (up to 12 digits)
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beneficiary address

1. 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 rejects and returns to our agency.

2. 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:

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update ITS.gov on the same day;
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enter all POS direct deposit changes according to normal procedures;

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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 TTD account in Trinidad and Tobago? If no, STOP. REASON: Beneficiaries in Trinidad and Tobago can only receive IDD payments in TTD accounts. If yes, go to step 4.
4	To derive the 9-digit RTN for Trinidad and Tobago, code as follows: – Start with 70, the prefix assigned to Caribbean countries for which Citibank is the processor bank, – a filler “0", – 3-digit bank code, – the first 2 digits of the branch code, – the U.S. check digit obtained through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.
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 DAN for Trinidad and Tobago, code: – “R” as designated for Trinidad and Tobago, – the remaining 3 digits of the branch code, – up to 12 digits of the account number.
7	You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.335F. 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 Trinidad and Tobago direct deposit

The customer provides us with a signup form for Trinidad and Tobago containing the following information:

Bank code: 123

Branch code: 45678

Account Number: 123456789012

1. Derive the RTN

The technician enters the information for the RTN.

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Prefix of 70, assigned to Caribbean countries for which Citibank is the processor bank
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a filler “0"
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3-digit bank code: "123"
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the first 2 digits of the branch: "45"
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the U.S. check digit (i.e., 2) obtained through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.
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The account type as a “C” for checking or an “S” for savings. If there is no indicated account type, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN.

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Start with the country code of "R" designated for Trinidad and Tobago,
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The remaining 3 digits of the branch code: "678"
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Code up to 12 digits of the account number: "123456789012"

3. Obtain the following information

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RTN: 700123452
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Checking
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DAN: R678123456789012

a. POS reflects the direct deposit information

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DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700123452 ACCOUNT TYPE (C/S): C
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DEPOSITOR ACCOUNT NUMBER: R678123456789012
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CANCEL DIRECT DEPOSIT (Y):
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DIRECT EXPRESS (Y):

b. The MBR reflects the following information

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RTN- 700123452
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DAN- CR678123456789012

H. References

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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)

Social Security

Program Operations Manual System (POMS)

GN 02402.335 Coding Trinidad and Tobago Bank Data on the Master Beneficiary Record (MBR)