SSA - POMS: GN 02402.337 - Coding Israeli Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Israel 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 Israel. 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 Israel direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Israel 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-OP14 International Direct Deposit Signup Form for Israel; 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 processor bank in Israel will have a prefix of 71 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 Israel is “R.”

D. Overview of IDD for Israel

IDD payments sent to Israel must be in Israeli new shekel (ILS) 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 Israel. The FBU contacts the beneficiary or FI for the additional information.

E. Description of Israel IDD bank data

Israeli bank data consists of a total of up to 15 digits, as follows:

•

A Bank Code of 6 digits, beginning with zero (0).
•

An Account Number of 1 to 9 digits.

F. Procedure for coding Israel 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 Comoros 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
•

6-digit bank code
•

up to 9-digit account number
•

bank address
•

beneficiary address
•

beneficiary phone number
•

country
•

enrollment status
•

first and last name of the beneficiary
•

payee indicator
•

reclamation country

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 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 an ILS account in Israel ? If no, STOP . REASON: Beneficiaries in Israel can only receive IDD payments in ILS accounts. If yes, go to step 4.
4	Code the RTN field as follows: – Start with 71, the prefix assigned to countries for which the FI in Israel is the processor bank. – Code the 6-digit bank code, which always begins with 0 (zero). If only 5 digits are provided, add a zero at the front to make a total of 6 digits. – Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit program on 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	Code the Depositor Account Number as follows: • Start with R, the letter assigned to show that the FI is in Israel. • Code the account number of 1 to 9 digits. Do not code any dashes.
7	You must take action on the same business day to enter into ITS.gov all the information listed in GN 02402.337F. 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 for coding Israel direct deposit

A signup form for Israel contains the following information:

Bank code 123456. Account Number 123456789.

•

The RTN will be 710124564. (The final digit, 4, is the U.S. check digit for 71012456.)
•

The DAN will be R123456789

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)

Social Security

Program Operations Manual System (POMS)

GN 02402.337 Coding Israeli Bank Data on the Master Beneficiary Record (MBR)