GN 02402.372: Coding China Bank Data on the Master Beneficiary Record (MBR)
Effective Dates: 09/14/2016 - Present TN 65 (09-15)
- GN 02402.372 Coding China Bank Data on the Master Beneficiary Record (MBR)
This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in China. 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 China direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas (FRBKC) and the processor bank in China to the beneficiary's local FI. NOTE: U.S. domestic (i.e., non-border) field offices (FOs) should not attempt to process an IDD request for this country. U.S. domestic FOs must forward all appropriate information to the Office of Earnings and International Operations, Division of International Operations (OEIO, DIO) for processing. For more information on forwarding IDD information, see GN 02402.205C, GN 01010.255, and GN 01702.310C.
- A. How we receive IDD bank data
We receive requests to input bank data by mail, phone, or fax in the following formats: * a blank check; * an SSA-1199-OP49 (International Direct Deposit Signup Form for China) (For the link to the form see GN 02402.372G in this section); or
- * any document that contains the required banking information.
- NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.
- B. Multi-country contract
- The processing FI for China has a prefix of 71 at the beginning of the Routing Transit Number (RTN).
- C. Overview of IDD for China
- IDD payments sent to China must be in US Dollar (USD) and the conversion to local currency will occur in country. The beneficiary must provide complete information to the Embassy, Consulate, or DIO for input. DIO faxes incomplete forms to the Federal Benefits Unit (FBU) at the U.S. Embassy or Consulate that serves that territory, to contact the beneficiary or FI for additional information.
- D. Description of China IDD bank data
The data for coding IDD for China comes from banks determined by the FRBKC. The bank data on the MBR will reflect up to 27 characters including the country code of I for China. E. Policy for coding China IDD 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 China, you can use an SSA system (i.e. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.). However, you must secure the following information from the beneficiary at the time of filing and enter it into ITS.gov : * bank name, * bank address, * beneficiary name, * beneficiary address, * beneficiary telephone number * passport or local ID number (enter in the beneficiary ID field) * China National Advanced Payment System (CNAPS) code (enter in the Country Bank Info field) * entire 19 digit account number If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA. Do not code the RTN in ITS.gov, as ITS.gov will propagate this information. When using ITS.gov, bank data posts to the MBR within four business days. 1. Initial award processing If you are working on an initial award, you must update ITS.gov using the bank account information prior to processing the award to ensure that the beneficiary receives his or her payment. If the complete bank account information is not in ITS.gov when the payment processes, the payment rejects and returns to SSA. NOTE: If there is dire need or hardship involved, tell 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. 2. Adding or updating bank data using SSA systems
- You must update ITS.gov on the same day if you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE, etc.). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for China within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the following chart:
- Are you coding an initial claim?
- If yes, go to step 3.
- If no, go to step 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.
Is the beneficiary's account a USD account in China? If no, STOP.
- REASON: Beneficiaries in China can only receive IDD payments in USD accounts.
- If yes, go to step 4
The RTN is 710000015 for all IDD to China. SSA and FRBKC have designated 71 as the multi-country prefix for China IDD. The 5 in the RTN represents the U.S. check digit code for all IDD accounts in China. Therefore, there is no need to obtain the check digit code from Title II Interactive Comps.
- Code the Type of Account as an “S” for savings or a “C” for checking. If no indicated account type, use a “C” for checking account.
Code the Depositor Account number (DAN) for China as follows:
- * Start with the country code of “I” designated for China
* Code the Customer Account Number, up to 16 characters of the 19 digit account number.
You must enter the following into ITS.gov the same day: * bank name * bank address * beneficiary name * beneficiary address * beneficiary telephone number * beneficiary ID * China National Advanced Payment System (CNAPS) code * entire 19 digit account number Do not code the RTN into ITS.gov, as ITS.gov will propagate this information. If you do not have access to ITS.gov, ask a co-worker who has access to update the required information into ITS.gov. FRBKC will send the bank information with the payment to its processor bank. When this information is not available, FRBKC will reject the payment and return it to SSA.
- F. Example of coding China direct deposit
- The customer provides us with a signup form for China containing the following information:
- Account Number 1234567890123456789
* Derive the RTN as follows * Code an RTN of 710000015 * 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. * Derive the DAN as follows * Start with an alpha country code of “I” designated for China; * Code up to 16 digits of the 19–digit Account Number “1234567890123456”. The technician obtains the following: RTN: 710000015 Checking DAN: I1234567890123456 The coding in an SSA System reflects: DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 710000015 ACCOUNT TYPE (C/S): C DEPOSITOR ACCOUNT NUMBER: I1234567890123456 CANCEL DIRECT DEPOSIT (Y): DIRECT EXPRESS (Y): The MBR reflects the following information:
- RTN- 710000015 DAN- CI1234567890123456
G. Exhibit of form SSA-1199 IDD Enrollment Form for China To view this form, go to SSA-1199-OP49
x← This means that the line was removed and was added – in other words, the "Effective Dates" line at the top of the document has been updated to reflect that the new version is effective as of the date the change was made.