TN 245 (11-23)

GN 02402.390 Coding Bangladesh Bank Data on the Master Beneficiary Record (MBR)

A. Background for coding Bangladesh 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 Bangladesh. The Social Security Administration (SSA) stores IDD bank data on the MBR in the same fields used for United States (U.S.) direct deposit.

Special coding identifies the data as a Bangladesh direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Bangladesh 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-OP59 International Direct Deposit Signup Form for Bangladesh; or

  • Any document containing 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 processing FI in Bangladesh has a prefix of 68 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 Bangladesh.

D. Overview of IDD for Bangladesh

The beneficiary must provide complete information to DIO or the Federal Benefits Unit (FBU) for input. DIO will fax incomplete forms to the FBU that serves Bangladesh. The FBU contacts the beneficiary or FI for additional information.

E. Description of Bangladesh IDD bank data

The data for coding IDD for Bangladesh comes from banks determined by the FRBKC. The bank data on the MBR consists of 27 characters including Bangladesh country code of “O”.

F. Procedure for coding Bangladesh bank data

The FRBKC relies on SSA 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 SSA. When establishing or changing IDD bank data for Bangladesh, you can use an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)). However, you must go to ITS.gov to enter the following information:

  • account ownership;

  • account number

  • account type;

  • Bangladesh Electronic Funds Transfer Network (BEFTN) online account number (13-17n)

  • bank name (enter in the bank contact info field)

  • bank address (enter in the bank contact info field)

  • 9-digit bank code;

  • beneficiary address

  • nationality/citizenship;

  • country;

  • enrollment status;

  • first and last name of the beneficiary;

  • payee indicator;

    NOTE: Beneficiary ID field should contain either; Bangladesh Tax ID that must match bank's records, or Passport Number.

1. Process initial award

You must update ITS.gov using 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 a BDT in Bangladesh? If no, STOP.

REASON: Beneficiaries in Bangladesh can only receive IDD payments in BDT accounts.

If yes, go to step 4

4

The RTN is 680000093 RTN for Bangladesh. It contains the:

  • Multi-country prefix of “68” for Bangladesh IDD;

  • U.S. check digit code of “3” at the end of the RTN for all IDD accounts in Bangladesh.

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 Bangladesh, code as follows:

  • “O” is designated for Bangladesh

  • Code up to 16 characters of the Customer Account Number.

NOTE: The full Customer Account Number can contain up to 20 characters, see step 7.

7

You must take action on the same day to enter into ITS.gov all the information listed in GN 02402.390F.

You must access ITS.gov, or ask a co-worker who to update the required information into ITS.gov.

REMINDER: When this information is not available, FRBKC rejects the payment and returns it to our agency.

G. Example of coding Bangladesh direct deposit

The customer provides us with a signup form for Bangladesh containing the following information: "12345678901234567890"

1. Derive the RTN

The technician enters the information for the RTN .

  • Code an RTN of 680000093

  • 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 a country code of “O” designated for Bangladesh; and

  • Code 16 digits of the Customer Account Number “1234567890123456”

3. Obtain the following information

  • RTN: 680000093

  • Checking

  • DAN: O1234567890123456

a. POS reflects the direct deposit information

  • DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 680000093 ACCOUNT TYPE (C/S): C

  • DEPOSITOR ACCOUNT NUMBER: O1234567890123456

  • CANCEL DIRECT DEPOSIT (Y):

  • DIRECT EXPRESS (Y):

b. The MBR reflects the following information

  • RTN- 680000093

  • DAN- CO1234567890123456

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)


To Link to this section - Use this URL:
http://policy.ssa.gov/poms.nsf/lnx/0202402390
GN 02402.390 - Coding Bangladesh Bank Data on the Master Beneficiary Record (MBR) - 11/02/2023
Batch run: 01/29/2024
Rev:11/02/2023