POMS Reference

GN 02402: Direct Deposit - Title II and Title XVI

TN 31 (01-08)

A. Introduction

1. Coding Antigua Bank Data

This section describes how to code bank data for direct deposit of Title II benefits to a financial institution (FI) in Antigua and Barbuda. The bank data will be stored on the MBR in the same fields as are used for U.S. direct deposit. Special coding identifies the data as International Direct Deposit (IDD) for Antigua and Barbuda and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and Citibank to the beneficiary's FI in Antigua and Barbuda.

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).

2. Where to Obtain Data

The data for coding may come from a check, a signup form for Antigua and Barbuda (see GN 02402.312E.), or the equivalent information received by mail, phone, fax, or e-mail.

NOTE: If upon receipt of the information, there are any discrepancies, follow instructions in GN 00203.020 and GN 02402.025.

3. Multi-country Contract

Citibank is the processor bank for IDD to several countries, including Antigua and Barbuda. All Caribbean countries for which Citibank is the processor bank have a prefix of 70 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 Antigua and Barbuda is “B.”

B. Description – Antigua And Barbuda Bank Data

Antigua and Barbuda bank data consists of a total of up to 21 characters, as follows:

  • A Bank Code of a zero plus 3 digits, and a Branch Transit Code of 5 digits.

  • An account number of up to 12 characters.

The enrollment form contains spaces for the bank to code the account number and the bank and transit codes.

C. Procedure

Use this procedure to code direct deposit of Title II benefits to an FI in Antigua and Barbuda.

  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 IDD information (RTN begins with 5, 6, or 7) unless the address is in a foreign country.

  3. Code the type of account as Checking.

  4. Code the Routing and Transit Number field as follows:

    • Start with 70, the prefix assigned to Caribbean countries for which Citibank is the processor bank.

    • Code a zero, the 3-digit Bank Code, and the first 2 digits of the 5-digit Branch/Transit Code.

    • 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 Depositor Account Number as follows:

    • Start with B, the letter assigned to show that the FI is in Antigua and Barbuda.

    • Code the remaining 3 digits of the Branch/Transit Code.

    • Code the account number. Do not include any dashes or spaces.

D. Example

A signup form for Antigua and Barbuda contains Account Number 123456789012, Bank Code 123, and Branch/Transit Code 45678.

  • The RTN will be 700123452. (The final digit, 2, is the U.S. check digit for 70012345.)

  • The DAN will be B678123456789012.

E. Exhibit - IDD Enrollment Form for Antigua and Barbuda

To view this form, go to SSA-1199–OP2.