SSA - POMS: GN 02402.371 - Coding Cape Verde Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Cape Verde 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 Cape Verde. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.

Special coding identifies the data as a Cape Verde direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Cape Verde 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-OP41 International Direct Deposit Signup Form for Cape Verde; or
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Any document that contains the 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 contract

The processing FI for Cape Verde has a prefix of "71" at the beginning of the Routing Transit Number (RTN). The first letter of the Depositor Account Number (DAN) field has the letter “O” assigned for Cape Verde.

D. Overview of IDD for Cape Verde

IDD payments sent to Cape Verde must be in U.S. dollar (USD) 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 Cape Verde. The FBU contacts the beneficiary or FI for additional information.

E. Description of Cape Verde IDD bank data

The data for coding IDD for Cape Verde comes from banks determined by the FRBKC. The bank data on the MBR will reflect up to 27 including the country code of "O".

F. Procedure for coding Cape Verde 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 Germany using an SSA system (i.e. 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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16-digit account number
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Society for Worldwide Internet Financial Telecommunication-Business Identifier Code (SWIFT-BIC)
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beneficiary address; (no P.O. box address allowed)
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reclamation country

1. Obtain SWIFT-BIC code from the FI

The SWIFT code should consist of 11 alphanumeric characters:

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First four characters - bank code (alpha only);
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Next two characters - ISO 3166-1 alpha-2 country code (alpha only);
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Next two characters - location code (alpha and numeric) (passive participant have "1" in the second character); and
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Last three characters - branch code, optional ('XXX' for primary office) (alpha and numeric).

2. Process initial award

Secure the beneficiary’s name, address, and full SWIFT-BIC code at the time of filing. The FBU inputs an initial IDD claim if the beneficiary elects the option of direct deposit. All initial IDD claims that an FBU takes for Cape Verde require input into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day. You must complete all initial claims that the International Benefits Office (IBO) takes. You must input all initial claims involving Cape Verde IDD into ITS.gov and an SSA system (i.e. MCS, MACADE, etc.) on the same day.

NOTE: If there is dire need or hardship involved, advise the beneficiary of the option of initiating payment via a paper check. Inform the beneficiary that the bank may charge for cashing the check. If the beneficiary chooses the option of paper check, the FBU documents the initial claim.

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:

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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 will 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 USD account in Cape Verde? If no, STOP. REASON: Beneficiaries in Cape Verde can only receive IDD payments in USD accounts. If yes, go to step 4
4	The RTN is 710000028 for Cape Verde. It contains the: • Multi-country prefix of "71" for Cape Verde IDD; • U.S. check digit code of "8" at the end of the RTN for all IDD accounts in Cape Verde. 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 Cape Verde, code: • “O” designated for Cape Verde, • Up to 16 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 02402.371F. 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 Cape Verde direct deposit

The customer provides us with a signup form for Cape Verde containing the following information: "1234567890123456."

1. Derive the RTN

The technician enters the information for the RTN.

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Code an RTN of 710000028
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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.

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Start with an alpha country code of “O” designated for Cape Verde;
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Code the 16-digits of the Account Number “1234567890123456.”

3. Obtain the following information

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RTN: 710000028
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Checking
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DAN: O1234567890123456

a. POS reflects the direct deposit information

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DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000028

ACCOUNT TYPE (C/S): C
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DEPOSITOR ACCOUNT NUMBER: O1234567890123456
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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- 710000028
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DAN- CO1234567890123456

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 02402.371 Coding Cape Verde Bank Data on the Master Beneficiary Record (MBR)