TN 82 (10-17)

This section describes how to code bank data for international direct deposit (IDD) of Title II benefits to a financial institution (FI) in Iceland. We store bank data on the MBR in the same fields used for United States (U.S.) direct deposit. Special coding identifies the data as an Iceland direct deposit and allows us to route benefit payments through the Federal Reserve Bank of Kansas City (FRBKC) and the processor bank in Iceland 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 more 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

A. Where to obtain bank data

We receive requests to input bank data by mail, phone, or fax in the form of:

• blank check,

• Form SSA-1199-OP28 (International Direct Deposit Sign-Up Form for Iceland), 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 in Iceland has a prefix of 66 at the beginning of the routing and transit number (RTN). The first letter of the depositor account number (DAN) field has the letter “L” assigned for Iceland.

C. Overview of IDD for Iceland

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 Iceland. The FBU contacts the beneficiary or FI for additional information.

D. Description of Iceland direct deposit bank data

The data for coding IDD for Iceland comes from the International Bank Account Number (IBAN) provided to the beneficiary from his or her FI. The IBAN is 26 characters. However, the IDD coding for Iceland bank data consists of 27 characters, including the country code of “L” for Iceland.

E. Procedure to code Iceland bank data

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 our agency. When you establish or change IDD bank data for Iceland through an SSA system (i.e., Modernized Claims System (MCS), Manual Adjustment Credit and Award Data Entry (MACADE), etc.), you must go to ITS.gov to enter:

• account ownership;

• account type;

• beneficiary address;

• country;

• enrollment status;

• first and last name of the beneficiary;

• IBAN; and

• payee indicator.

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 will receive 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 our agency.

2. Add or update bank data using SSA systems

You must update ITS.gov on the same day you use an SSA system to add or update bank data on the MBR (i.e. Post Entitlement Online System (POS), MACADE). Enter all POS direct deposit changes according to normal procedures. When coding IDD bank data in an SSA system for Iceland within four business days of the current operational month (COM) cutoff date, use the procedure outlined in the chart in this section.

F. Example of coding Iceland direct deposit

The customer provides us with the IBAN of IS140159260076545510730339

NOTE: The first two characters of an Iceland IBAN are “IS,” the International Organization for Standardization (ISO) country code and the third and fourth characters of the IBAN are the IBAN check digits. The technicians should never code these to the MBR. The fifth and sixth digits are the bank code. The seventh and eighth digits are the branch code. The last 18 characters of the IBAN represent the account number.

1. Derive the RTN

The technician codes the RTN as indicated.

• Code the prefix of 66 (the multi-country prefix for Iceland);

• Code two filler zeros “00”;

• Code the four-digit bank code “01”;

• Code the four-digit branch code “59”;

• Code the check digit code (i.e., 8) (obtained 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 there is no type of account indicated, use a “C” for checking.

2. Derive the DAN

The technician codes the DAN as indicated.

• Use the letter “L” (for Iceland),

• Code 16 digits of the 18-digit account number “2600765455107303”

• Input full IBAN through ITS.gov, so that the final two digits of the DAN annotate. The MBR only houses up to 17 characters in the DAN field.

a. The coder obtains the bank data:

• RTN: 660001598

• Checking

• DAN: L2600765455107303

b. The coding in POS reflects the bank data

• DIRECT DEPOSIT ROUTING TRANSIT NUMBER: 660001598

• ACCOUNT TYPE (C/S): C

• DEPOSITOR ACCOUNT NUMBER: L2600765455107303 (17 character max.)

• CANCEL DIRECT DEPOSIT (Y):

• DIRECT EXPRESS (Y):

c. The MBR reflects the bank data:

RTN-660001598 DAN- CL2600765455107303