GN 02402.326: Coding Jamaican Bank Data for the Master Beneficiary Record (MBR)

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~~Effective Dates: 07/19/2016 - Present~~
Effective Dates: 02/13/2018 - Present
TN 52 (04-14)
GN 02402.326 Coding Jamaican Bank Data for the Master Beneficiary Record (MBR)
This section describes how to code account data for direct deposit of title II benefits to a financial institution (FI) in Jamaica. We store the account data on the MBR in the same fields used for U.S. direct deposit. Special coding identifies the data as Jamaican International Direct Deposit (IDD) and allows benefit payments to route through the Federal Reserve Bank of Kansas City (FRBKC) and Citibank to the beneficiary's FI in Jamaica.
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. Where to obtain account data
We receive requests to input account data by mail, phone, or fax in the following formats:
* a blank check;
* an IDD signup Form for Jamaica (SSA-1199-OP15) (see GN 02402.326G in this section); or
* any document that contains the required banking information.
NOTE: Upon receipt of the information, you must resolve any discrepancies per instructions in GN 00203.020 and GN 02402.025.
B. Multi-country contract
Citibank is the processor FI for IDD to several Caribbean countries, including Jamaica. All Caribbean countries for which Citibank is the processor FI have a prefix of 70 at the beginning of the routing transit number (RTN) and an assigned letter in the first position of the depositor account number (DAN). The letter assigned for Jamaica is “M.”
C. Overview of IDD for Jamaica
IDD payments sent to Jamaica must be in Jamaican Dollar accounts at local FIs. The beneficiary must provide complete information to the Embassy, Consulate or DIO for input. DIO will fax 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.
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 Jamaica. The FBU contacts the beneficiary or FI for additional information.
D. Description of Jamaican direct deposit account data
The data for coding IDD for Jamaica will come from financial institutions (FIs) that the FRBKC has determined can process handle the IDD. The FRBKC identified and listed the participating FIs on the International Treasury Services (ITS.gov) website as part of the ITS help file.
The ID coding for Jamaican account data consists of up to 25 characters, including the country code of “M” for Jamaica. The account number contains the following codes:
* Nine-digit RTN 700BBBTTX: where 70 is the country code, position three is zero, BBB= 3 digit bank code, TT= the first two digits of the five digit Branch/Transit Code, X=check digit code; and
* A 16-digit DAN MTTTAAAAAAAAAAAA: which consists of a one- character country code of “M” for Jamaica, positions 3 through 5 are the last three digits of the Branch/Transit Code, followed by the 12 account number.
E. Procedure for coding Jamaican routing and account numbers
The FRBKC relies on our agency to provide the complete account data to ensure correct posting of payments to a customer’s account. If the information is incomplete, the FRBKC will reject the payment and return the funds to our agency. You can code account data for Jamaica through ITS.gov when establishing or changing IDD or use our system (e.g., Post Entitlement Online System (POS), Manuel Adjustment Credit and Award Data Entry (MACADE), etc.). When using ITS.gov, account data will post 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 account information prior to processing the award to ensure that the beneficiary will receive his or her payment. If the complete account information is not in ITS.gov when the payment processes, the payment will reject and return to our agency.
2. Adding or updating account data using SSA systems
If you use our systems (e.g., POS, MACADE) to add or update account data to an MBR, do not input the account information into ITS.gov as the information will transfer to ITS.gov on the next business day.
NOTE: If you are updating account data within four business days of the current operational month (COM) cut-off date, use the procedure outlined in the following chart to code account data to the MBR using our system.
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 yes, go to step 3.
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
Is the beneficiary's account a U.S. dollar account at an FI in Jamaica?
If yes, stop.
If no, go to step 4.
REASON: Treasury sends IDD payments in local currency, not U.S. dollars. The account must be a local currency account (Jamaican dollars).
4
To derive the nine-digit RTN for Jamaica:
* Start with 70, the prefix assigned to Caribbean countries for which Citibank is the processor FI.
* Code one filler zero,
* Code the three-digit Bank Code,
* Code the first two digits of the five-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.
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 indicating account type, use a “C” for checking account.
6
Code the DAN for Jamaica:
* Start with a country code of “M” designated for Jamaica.
* Code the remaining three digits of the Branch/Transit Code.
* Code the 12-digit account number. Do not include any dashes or spaces.
F. Example of coding Jamaican direct deposit
The customer provides the signup form for Jamaica containing the following information:
* Bank Code-123 (the check coder confirms the code against list found in ITS.gov and finds it accurate).
* Branch Code-45678 (the check coder confirms the code against list found in ITS.gov and finds it accurate).
* Account Number 123456789012.
1. Derive RTN as follows
* Code the prefix of 70 (the multi-country prefix for Jamaica);
* Code the filler zero “0”;
* Code the three-digit Bank Code (confirm through listing in ITS.gov);
* Code the first two digits of the five-digit Branch/Transit Code (confirm through listing in ITS.gov); and
* Code the U.S. check digit (obtained from the Title II interactive Comps from the Main Menus 07/Sub Menu 16).
2. Derive the DAN as follows
* Use the letter “M” (for Jamaica);
* The remaining three digits of the Branch/Transit Code; and
* The 12-digit account number 1234567891012.
The coder will obtain the following:
RTN: 700123452
Checking
DAN: M678123456789012
The coding in POS will reflect:
DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 700123452
ACCOUNT TYPE (C/S): C
DEPOSITOR ACCOUNT NUMBER: M678123456789012
CANCEL DIRECT DEPOSIT (Y):
DIRECT EXPRESS (Y):
The MBR will reflect the following information:
RTN-700123452 DAN- M678123456789012
NOTE: The C in the DAN means that the account is a checking account.
G. Exhibit of IDD Enrollment Form for Jamaica
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GN 02402.326: Coding Jamaican Bank Data for the Master Beneficiary Record (MBR)