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GN 02402.310: Coding Australia Bank Data for the Master Beneficiary Record (MBR)

changes
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  • Effective Dates: 07/19/2016 - Present
  • Effective Dates: 07/17/2018 - Present
  • TN 31 (01-08)
  • TN 108 (07-18)
  • GN 02402.310 Coding Australian Bank Data for the MBR
  • GN 02402.310 Coding Australia Bank Data for the Master Beneficiary Record (MBR)
  • A. Introduction - Coding Australian Bank Data
  • A. Background for coding Australian bank data
  • This section describes how to code bank data for direct deposit of Title II benefits to a financial institution (FI) in Australia. 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 Australian direct deposit and allows benefit payments to be routed through the Federal Reserve Bank of Kansas City (FRBKC) and the Reserve Bank of Australia to the beneficiary's FI.
  • This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Australia. We store IDD bank data on the MBR in the same fields used for U.S. direct deposit.
  • The data for coding may come from a check, a signup form for Australia (see GN 02402.310E.), or the equivalent information received by mail, phone, fax, or e-mail.
  • Special coding identifies the bank data as an Australia direct deposit. This allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Australia 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 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).
  • 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.
  • B. Description - Australian Bank Data
  • For detail 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
  • Australian bank data consists of the following:
  • * a 6-digit BSB Number with a hyphen between the 3rd and 4th digits.
  • * an Account Number of up to 9 digits. The Account Number may contain alpha characters, numerics, or hyphens. If the total number of characters exceeds 9 characters, the hyphens should not be coded.
  • B. How we receive IDD bank data
  • C. Procedure - Coding Australian Routing and Account Numbers for International Direct Deposit
  • We receive requests to input bank data by mail, phone, or fax in the following formats:
  • * Blank check;
  • * SSA-1199 International Direct Deposit Signup Form for Australia; or
  • * Any document that contains required banking information.
  • Use this procedure to code direct deposit of Title II benefits to FIs in Australia. 
  • 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 Australia will have a prefix of “61” at the beginning of the Routing and Transit Number (RTN).
  • D. Overview of IDD for Australia
  • STEP
  • IDD payments sent to Australia must be in Australia Dollars (AUD) 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 Australia. The FBU contacts the beneficiary or FI for the additional information.
  • E. Description of IDD bank data for Australia
  • ACTION
  • The data for coding IDD for Australia comes from banks determined by the FRBKC. The bank data on the MBR reflects up to 19 characters including an account number of up to nine digits and a Bank State Branch (BSB) number of up to six digits.
  • F. Policy to code bank data for Australia
  • 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 us. When you use our system to establish or change IDD bank data for Australia (e.g. Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE)), you must go to ITS.gov to enter:
  • * account ownership;
  • * account type;
  • * account number;
  • * bank state branch code (BSB);
  • * beneficiary address (No post office (PO) boxes accepted);
  • * country;
  • * enrollment status;
  • * first and last name of the beneficiary;
  • * payee indicator;
  • 1.
  • 1. Address input requirements for Australia
  • For all Australia IDD payments, you must enter an address into ITS.gov and our system (e.g. Post Entitlement Online System (POS), MACADE).
  • Are you coding an initial claim?
  • * If yes, go to step 3.
  • * If no, go to step 2.
  • DO NOT input a PO box.
  • The address input must include the:  
  • * street address
  • * suburb and four-digit numeric postcode;  
  • * country code abbreviation “AU” in ITS.gov and the full country name in our system;
  • * abbreviated state name.
  • Refer to the chart in this section for the state abbreviations.
  • 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 International Direct Deposit (IDD) information.
  • States
  • Abbreviations
  • 3.
  • Is the beneficiary's account a U.S. dollar account at an FI in Australia? If yes, STOP.
  • New South Wales
  • REASON: This must be an Australian dollar account.
  •  NSW 
  • 4.
  • Northern Territory
  • Code the Type of Account as Checking.
  •  NT
  • 5.
  • Queensland
  • Code the Depositor Account Number field with the Account Number of up to 9 characters. If the Account Number has more than 9 characters, leave out the hyphens.
  • QLD
  • 6.
  • South Australia
  • SA
  • Tasmania
  • TAS
  • Code the Routing and Transit Number field (9 digits total) as follows:
  • * Start with 61, the prefix SSA has designated for Australian direct deposit.
  • * Code the 6-digit BSB Number. Do not code the hyphen.
  • * Code the U.S. check digit. Obtain the U.S. check digit by using the Check Digit Code program on Title II/Interactive Comps.
  • D. Examples - Coding Australian Direct Deposit
  • Victoria
  • EXAMPLE 1: A signup form for Australia contains the following information:
  • VIC
  • BSB Number:
  • Western Australia
  • 123-456
  •  WA
  • Account Number
  • Australian Capital Territory
  • 007890-1S
  • ACT
  • The Depositor Account Number will be 007890-1S.
  • a. Australia address inputs for ITS.gov
  • The Routing and Transit Number will be 611234566. (The final digit, 6, is the U.S. check digit for 61123456.)
  • When entering Australia addresses into ITS.gov, the information must appear in the designated order as indicated:
  • * Address Field 1, enter the beneficiary name      
  • * Address Field 2, enter the representative payee name      
  • * Address Field 3, enter the street address      
  • * Address Field 4, enter the suburb and postcode      
  • * Address Field 5, enter the abbreviated state and country code “AU” (ISO two-digit country code)
  • EXAMPLE 2: A beneficiary sends the following information by fax to DIO:
  • NOTE: Each field cannot exceed 22 characters.
  • b. Australia address inputs using our system
  • When entering Australia address information into our systems (e.g. Post Entitlement Online System (POS), MACADE), you must enter all the information described in the introduction of GN 02402.310 F.1. Once input, the Department of the Treasury’s Fiscal Service will convert your inputs into the designated order.
  • 2. Process initial award
  • Prior to processing an initial award, you must update ITS.gov with the bank account information 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 us.
  • 3. Add or update bank data using our systems
  • When you add or update IDD bank data using our 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 the chart in this section when you process within four business days of the current operational month (COM) cutoff date.
  • STEP
  • ACTION
  • 1.
  • Are you coding an initial claim?
  • BSB Number
  • · 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 International Direct Deposit (IDD) information.
  • 3.
  • Is the beneficiary's account an Australian Dollar (AUD) account? If no, STOP.
  • REASON: Beneficiaries in Australia can only receive IDD payments in AUD accounts.
  • If yes, go to step 4.
  • 4.
  • Code the nine-digit RTN for Australia as indicated:
  • * Start with 61, the prefix SSA has designated for Australian direct deposit.
  • * Code the six-digit Bank State Branch (BSB) Number. Do not code the hyphen.
  • * Code the U.S. check digit, which you will obtain through Title II Interactive Comps.
  • NOTE: The final digit is the U.S. check digit Code and is subject to change. Obtain check digit code through the Title II Interactive Comps from the Main Menus 07/Sub Menu 16.
  • 5.
  • 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.
  • 6.
  • 234-567
  • Code the Depositor Account Number (DAN) field with the Account Number (up to nine characters). The Account Number may contain alpha characters, numeric, or hyphens. DO NOT include the hyphens if the total number of characters exceeds nine characters.
  • Account Number
  • 7.
  • 43432
  • You must take action on the same business day to enter all the information into ITS.gov listed in the introduction of GN 02402.310F in this section.
  • The Depositor Account Number will be 43432.
  • You must access ITS.gov or ask a co-worker to update the required information into ITS.gov.
  • The Routing and Transit Number will be 612345674. (The final digit, 4, is the U.S. check digit for 61234567.)
  • FRBKC rejects the payment and returns it to us when we do not send all required information.
  • EXAMPLE 3: The coder obtains the following information from the beneficiary's check:
  • G. Examples of coding bank data for Australia
  • This section provides examples of how to derive the DAN and RTN for Australia.
  • 1. Example of Australia bank data with a nine-character account number
  • The customer provides us with a signup form for Australia containing the indicated BSB of 123-456 and account number of 007890-1S
  • BSB Number
  • a. Derive the RTN as indicated
  • * Code the prefix of “61”
  • * Code the BSB “123456” (no hyphen).
  • * Code the one-digit check code “6” (Obtain from the Title II interactive Comps from the Main Menus 07/Sub Menu 16.)
  • * 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.
  • b. Derive the DAN as indicated
  • 345-678
  • Code the nine-digit alphanumeric account number “007890-1S” (include the hyphen since the total number of characters is nine).
  • 2. Example of Australia bank data with a five-character account number
  • The customer provides us with a signup form for Australia containing the indicated BSB of 234-567 and account number of 43432.
  • Account Number
  • Derive the RTN as indicated
  • * Code the prefix of “61”
  • * Code the BSB “234567” (no hyphen).
  • * Code the one-digit check code “4” (Obtain from the Title II interactive Comps from the Main Menus 07/Sub Menu 16.)
  • * 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 indicated
  • 1234-RD-56
  • Code the five-digit alphanumeric account number “43432.”
  • The Depositor Account Number will be 1234RD56. (Since the total number of characters is more than 9, the coder does not code the hyphens.)
  • 3. Example of Australia bank data with a 10-character account number
  • The Routing and Transit Number will be 613456782. (The final digit, 2, is the U.S. check digit for 61345678.)
  • The customer provides us with a signup form for Australia containing the indicated BSB of 345-678 and account number of 1234-RD-56.
  • E. Exhibit - IDD Enrollment Form for Australia
  • Derive the RTN as indicated
  • * Code the prefix of “61”
  • * Code the BSB “345678” (no hyphen).
  • * Code the one-digit check code “2” (Obtain from the Title II interactive Comps from the Main Menus 07/Sub Menu 16.)
  • * 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.
  •  View PDF Version
  • Derive the DAN as indicated
  • Printer Friendly Version
  • Code the alphanumeric account number “1234RD56” (Since the total number of characters is more than 9, the coder does not code the hyphens).
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