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Federal Reserve Bank of Dallas HELEN E. HOLCOMB DALLAS, TEXAS FIRST VICE PRESIDENT AND CHIEF OPERATING OFFICER 75265-5906 October 8, 1998 Notice 98-95 TO: The Chief Operating Officer of each financial institution and others concerned in the Eleventh Federal Reserve District SUBJECT Quick$tart Brochure DETAILS As we approach Nationwide Direct Deposit Week, it is important for all financial institutions to understand the recent updates to the Automated Enrollment (ENR) process. In connection with this, the Social Security Administration has published a brochure entitled Quick$tart. The brochure provides useful information in assisting your customers to enroll in direct deposit of their social security and other federal payments. ENCLOSURE A copy of the Quick$tart brochure published by the Social Security Administration (SSA Pub. No. 31-242) is enclosed. MORE INFORMATION For more information about ENR, please contact your local SWACHA Association or the appropriate federal agency listed on page 9 of the enclosed brochure. Sincerely, For additional copies, bankers and others are encouraged to use one of the following toll-free numbers in contacting the Federal Reserve Bank of Dallas: Dallas Office (800) 333-4460; El Paso Branch Intrastate (800) 592-1631, Interstate (800) 351-1012; Houston Branch Intrastate (800) 392-4162, Interstate (800) 221-0363; San Antonio Branch Intrastate (800) 292-5810. This publication was digitized and made available by the Federal Reserve Bank of Dallas' Historical Library (FedHistory@dal.frb.org) The Social Security Administration Introduces a lieu) Public Seruice Initiative flow there is an easier may to help your customers enroll in direct deposit of their Social Security and other Federal payments! It’s the neuj HCH standard entry class code. CflR - Automated Enrollment! Quick$tart lUhat the COR. Automated Enrollment Process Offers You! • direct access to the Social Security Administration, Office of Veterans Affairs, Office of Personnel Management (Federal Civil Service Benefits), Railroad Retirement Board and, in the future, other Federal Government Agencies • control over when your customers’ direct deposit enrollments become effective • improved results from your retail marketing efforts • control over the accuracy of direct deposit account information • immediate action on your customers’ requests for direct deposit of their Federal payments • reduced costs associated with the enrollment process • a new retail product line, the Qmck$tartni service, to offer customers • a more efficient means of handling both large and small quantities of enrollments O llJhat the CflR. flutomated enrollment. Offers Vour Customers/ITlembers! • convenience • prompt action on their request for direct deposit • minimum action on their part • access to Federal Agencies through a safe, reliable means • an alternate way to contact Federal Agencies IDhat the EMI flutomated Enrollment Process Offers Federal Agencies • reduced costs to taxpayers • a safe, reliable m eans of receiving accurate direct deposit account inform ation • unlike the paper enrollm ent process, a means of immediately notifying financial institutions of problem s in applying direct deposit account inform ation • a process th a t can h a n d le large num bers o f en ro llm en ts to support th e G o vern m en t's goal of issuing most paym ents electronically • a process th a t recognizes th a t consumers are often influenced by their financial in stitution s’ m arketing efforts QidckStart Questions and Answers IDhat Is EnR? A n E N R is a n ew s ta n d a rd e n try class co d e th a t enables depository financial institutions (DFI) to use the A C H netw ork to transm it direct deposit enroll m e n t inform ation to certain Federal agencies o n b e h alf of custom ers w ho are receiving benefits, pensions or annuities from these agencies. lllhy lllas The Automated Enrollment Process Created? C onsum ers often look to th e ir DFI for guidance and assistance w h en they are interested in signing up for d irect deposit or learn in g m ore abo ut this service. W h ile m ark etin g an d o th e r p ro m o tio n a l activities make th e public aware o f direct deposit, n o th in g is a c c o m p lish e d u n til th e c o n s u m e r ac ts u p o n th is in fo rm atio n by in itia tin g a n en ro llm en t. Problem s occur, however, w h en th e enrollm ent process is n o t Is The EUR Process Different Than The QuichStart™ Process? N o. T h e E N R autom ated en rollm en t process and the Qiuck$tartn, process are th e same thing. T h e Qiiick$tartn, consumer-friendly. Custom ers having difficulties often delay signing up for d irect d eposit or forego using it altogether. nam e and logo were developed by th e Federal G o v ern In rec en t years, th e N A C H A O perating Rules were m e n t as a m eans of p rom oting th e autom ated en ro ll modified to m ake w ritten authorizations optional for m e n t process. A ll A C H participants are free to use th e credits. A n um ber of high-volum e originators, such as Qidck$tartn, nam e and logo in prom oting th e autom ated S SA , have trained th e ir employees to gather needed en ro llm en t process. acco unt inform ation from docum ents in consum ers’ possession (e.g., th e M IC R line o n personal checks). W h ile this has helped th e process, it has n o t b een Can Any Financial Institution Initiate Hn EUR Transaction Or Is entirely effective n o r has it adequately addressed the Its Use Limited To Only Originating Depository Financial Institutions [ODFIs]? c o ntin uing role of DFIs in th e en ro llm en t process. A n y DFI may originate a n ENR. W h ile some consumers can often provide their account n u m b e r accurately, v irtu a lly all h a v e difficulty in determ ining their financial institution’s routing num ber unassisted. Accordingly, they may fail to act upon direct Is Special Software Deeded To Initiate EDR Transactions? Most financial institutions use FEDLINE to con nect deposit solicitations or, if m otivated, th e person will co n tac t his DFI for assistance. to th e A C H . It is n o t necessary for FEDLINE users to DFIs assisting customers w anting to enroll in direct acquire special software to in itiate E N R autom ated deposit are usually faced w ith lim ited choices. M ost e n ro llm e n t tran sa ctio n s. T h e Federal R eserve has bear th e cost of assisting their customers in com pleting autom atically provided special screens to all FEDLINE and m ailing paper en rollm en t forms. Som etim es these users. Financial institutions th at use a central processing DFIs and th e ir customers hav e to w ait w eeks/m onths unit (i.e., mainframe com puter) to connect to th e A C H before th e request is processed by th e Federal Agency. will hav e to eith er undertake th e ir ow n program m ing S om etim es th e re are problem s associated w ith th e or purchase software to accom m odate th e autom ated agency accurately transcribing th e d ata from th e paper en ro llm en t process. en ro llm en t form. o M any DFIs try to take advantage of alternatives, such Why Should Financial Institutions Use the GAR Process? as toll-free 800 numbers, offered by S S A and a limited S in c e th e process began, S S A h as rec eiv e d m ore n um ber of o th e r large originators. T h eir effectiveness th a n 1 m illion au to m ated en ro llm e n t entries from is limited, however, because of the large num ber of calls financial institutions. Based o n its experience, S S A th a t are received at these numbers, particularly at the has concluded: b eg in n in g of th e m o n th . DFIs and custom ers who • encou nter co nstant busy signals grow frustrated and means of com m unicating direct deposit enrollm ent usually choose not to pursue the direct deposit enrollment. Why Is The Process Limited To Federal Agencies? inform ation; • P articipating DFIs like th e process because they c o n tro l b o th th e accuracy of consum er ac co u n t O riginally, th e E N R stan d ard entry class code was inform ation an d th e tim ing of th e transmission; designed to accom m o date a wide range of uses. In c o n sid e rin g th e pro po sal, ho w ever, th e N A C H A T h e A C H is a safe, co n v e n ie n t and cost-effective • S S A r e c e iv e s a n d a c ts u p o n d i r e c t d e p o s it m em bership agreed th a t it should be lim ited initially enro llm ent requests m uch faster th a n w hen paper to t r a n s m i t t i n g d i r e c t d e p o s it e n r o l l m e n t s to authorizations are used. W h e n th e A C H is used, p a rtic ip a tin g Federal G o v e r n m e n t A gencies. T h is SSA d e c is i o n w as b a s e d o n t h e f a c t t h a t F e d e ra l beneficiaries’ accounts w ithin 1 business day of DFI G overnm ent Agencies were likely to generate sufficient transmissions; volum es of EN Rs to su p p o rt th e new process and • a p p l ie d e n ro llm e n t in fo rm a tio n to P articipating DFIs an d th e ir customers are able to because all of th e issues related to private-sector use of a v o id th e h ig h in c id e n c e o f busy signals t h a t th e process h ad n o t yet b een resolved. A t some future otherw ise may hav e been en cou ntered w ith SSA’s date, it may be exp and ed to include private-sector toll free 800 n um ber service. T his is particularly originators o f d irec t d eposit paym ents. Eventually, true a t th e beg in ning of th e m o n th w hen local ENRs may even be used to transm it direct paym ent m arketing efforts convinced customers to sign up authorizations. for direct deposit; and Uhich Federal Agencies Haue Agreed to Accept CAR Transactions? • DFIs are able to provide customers w ith en hanced levels of en rollm en t services. A t this time, SSA , th e Office of Veterans Affairs, the Is Social Security Going to eliminate Use of Its Toll Free Office of Personnel M anagem ent (Federal Civil Service 800 "Dial Direct Deposit Service”? Benefits) and th e Railroad R etirem en t Board (RRB) are th e only Federal G o v ern m e n t Agencies th a t accept E N R en ro llm ent transactions. O th e r Federal Agencies plan to use th e process, however. DFIs will be notified as o th er Federal A gencies indicate they are ready to accept ENRs. No! S S A will co n tin u e to accom m odate beneficiaries and DFIs w ho w ant to use this service for direct deposit enrollm ents. It should be understood, however, th a t SSA’s toll free 800 num ber has very nearly reached its m a x im u m capacity. Five years ago, S S A receiv ed approxim ately 40 m illion telep ho ne contacts a year. T his year, th e num ber of attem pted telep ho ne calls is expected to exceed 120 m illion. W h ile S S A is doing all it can to increase th e capacity of its toll free 800 n u m b e r se rv ic e , c o n s u m e rs a n d t h e i r D FIs m ay c ontin ue to en co u n ter busy signals and delays w hen attem p ting to enroll in direct deposit by telephone. Ouick$tart What Advantages Does the BAR Automated enrollment Process Offer DFIs? • T h e autom ated en ro llm en t process (w h ich is also kno w n as th e Qidck$tart„ service) may be offered by DFIs as a new, retail prod uct line. Foremost, th e E N R process improves service to customers who w ant to receive their recurring Federal payments by • DFIs offering the autom ated enrollm ent (Qukk$tart » direct deposit. service) will be well positioned w hen th e process is T h e process also offers o th e r po te n tia l advantages: expanded to include o th er Federal A gencies and • requests for direct deposit are acted upon promptly; • Increased direct deposit participation saves money! A Federal Reserve Bank study indicates it costs, on average, $0.74 to han dle a check deposit over the IDith One CAR Transmission? are estim ated to be m ore th a n $0.5 m illion a year. Yes! U n d er th e N A C H A Operating Rules, DFIs must include at least one addenda record w ith each EN R transmission. DFIs, may also include m ultiple addenda records (up to 9,999) w ith E N R entries. T h ere are tw o I t e n h a n c e s t h e e f f e c tiv e n e s s o f D FI r e ta il co n ditions th a t exists w h en m ultiple addenda records m arketing. M arketing is only half th e battle w hen are included, however. T h ey are: conv in cin g a consum er to take advantage of direct deposit. DFIs must make it easy for customers to act u po n th e ir decision to enroll. T h e autom ated en ro llm en t process updates Federal A gency files w ith in 1 business day of DFIs transm itting account inform ation o n b eh alf of custom ers w ho ask for direct deposit. account inform ation errors th a t are often associated w ith th e paper en ro llm en t process. The a u to m a te d 1. A ll direct deposit enrollm ents included w ith the E N R transaction m ust pertain to th e same Federal G o v ern m e n t agency/benefit program (e.g., Social Security, SSI or RRB). In o th e r words, DFIs should n o t mix Social Security direct deposit enrollm ents w ith those pertaining to VA, RRB, or o th er Federal programs w ithin th e same EN R b a tc h entry. U s in g t h e A C H to f o rw a rd d i r e c t d e p o s it e n r o llm e n t in fo rm a tio n is e x p e c te d to red uce • A gencies are trying to co nv ert all their paym ents Can DFIs Transmit lAultiple Direct Deposit enrollments Postage costs associated w ith m ailing these forms • signing up for direct deposit now th a t all Federal enrollm ent forms. For example, S S A continues to e n ro llm e n t forms from DFIs by m ail ea ch year. • DFIs offering the autom ated enrollm ent (Quick$tartr„ service) can offer customers a co n v e n ie n t m eans of I t e l i m i n a t e s c o s ts a s s o c ia te d w i t h m a ilin g rec eiv e a p p ro x im ate ly 2 m illio n d ire c t deposit • • to electronic funds transfer. counter. A n A C H deposit costs $0.05. • private originators of direct deposit. It com plem ents DFI m arketing efforts and ensures e n ro llm e n t 2. T h ird -p arty processors th a t transm it EN R entries o n behalf of DFIs must make such transmissions in separate batches. A ddenda records pertaining to one D FI’s d irec t d ep o sit e n ro llm e n ts sho uld n o t be can included u nd er th e same E N R entry as addenda acco m m o d ate b o th large and sm all num bers of p ro c e s s records pertaining to an o th er DFI’s direct deposit transactions w ith equal efficiency. enrollm ents. U nlike paper forms or use of th e toll free number, th e EN R process readily accom m odates m ultiple consum er enrollm ents w ith a single transmission. Q Can Third°Party Processors Originate EflR Entries On Behalf of DFIs? Ulill FEDLIDC Change To Support The EAR Process? Yes. A ny A C H p articipant may originate EN R entries th e E N R d ata entry process “user friendly.” In fact, o n beh alf o f DFIs th a t w ant to take advantage o f th e FEDLINE includes internal edits to help DFIs minimize a u to m a te d e n ro llm e n t process. A g ain , th ird -p a rty errors. Yes. In fact, th e specific features are designed to make processors must m ake such transmissions in itiated on behalf of DFIs in discreet batches. A C H participants that are contemplating offering this service on behalf of DFIs should understand that any entries that are refused or returned will be directed to them. The Customer's Social Security Dumber [SSA] is Required In The Addenda Record UJith The CAR Entry. Is This The Same Dumber Appearing On The Custom ers Social Security or RRB Chech? T h ere is a n S SN appearing o n most Federal checks. It Hom Quichly Dlill The Federal Agencies Oct Upon EOR Entries? may or may n o t be th e customer’s ow n SSN. Sometimes Generally, E N R entries sent to Federal agencies before accounts of o th e r individuals. In these instances, th e th e m iddle of th e m o n th will ensure th e n ex t paym ent o th e r person’s SSN will appear o n th e benefit check. is received by direct deposit. (See ch a rt below.) DFIs should include th e custom er’s ow n S SN w hen individuals are e n title d to receive benefits o n th e creating th e direct deposit enrollm ent. If, however, the Aren't Automated Enrollment [EAR] and notifications of Change [AOC] The Same? S S N c la im n u m b e r a p p e a r in g o n t h e c h e c k is N o. A n EN R should be used w h en th e custom er is a c c o m m o d a t e t h e e n r o l l m e n t th r o u g h c ro ss- executing a new authorization. T his may represent a referencing. A s th e EN R process is expanded to include first tim e sign up for direct deposit, a change in financial o th e r O riginato rs, how ever, DFIs will probably be institutions or a change in direct deposit arrangem ents restricted to th e custom er’s ow n SSN . inadvertently used, Federal agencies will be able to (e.g., sw itchin g d irec t dep osit from a savings to a c h e c k i n g a c c o u n t ) w i t h i n t h e sa m e f i n a n c ia l institution. A n N O C represents a correction in account inform ation w ithin th e existing consumer authorization (i.e., a techn ical correction of accou nt inform ation). Type of Benefit Payment Transmitted by: Social Security T h e 1 7 th of th e m o n th Supplem ental Security Incom e (SSI) T h e 15 th of th e m o n th V eterans com pensation and pension T h e 1 0 th of th e m o n th C ivil Service retirem en t annuity and survivor annuity T h e 15 th of th e m o n th Railroad R etirem en t annuity T h e 15 th of th e m o n th Railroad unem ploym ent/sickness A nytim e OuickStart (Dost Financial Institution Branches Do Dot Have Direct SS A and RRB will m a tch this elem ent w ith a similar Access To The DCH Through FEDUOE Or Other Devices. How Can These Institutions Take Advantage Of The CAR Process? and RRB will n o t accept E N R entries in itia ted by DFIs th a t h ave a c e n tral A C H access p o in t will have designated. indicator included in th e agencies’ m aster files. S SA beneficiaries for w hom a representative payee has been to d e v e lo p a m e a n s o f c a p tu r in g d ir e c t d e p o s it DFIs initiating direct deposit enrollm ents o n b ehalf of enrollm ent inform ation at th e b ran ch level and th e n r e p re s e n ta tiv e payees sh o u ld rem e m b e r to follow forwarding it to their central A C H access facility. DFIs Federal G o v e rn m e n t requ irem ents w ith regard th e may use proprietary PC-based local area networks for account titles established o n behalf of these individuals. this purpose or a paper-based process. DFIs considering C o n su m er ac co u n ts (e ith e r tra n sa c tio n or savings a paper-based process may w ant to refer to th e model accounts) m ust reflect th e fiduciary interest of th e form included o n page 10 in this kit. r e p r e s e n ta tiv e p a y e e o n b e h a l f o f t h e e n t i t l e d DFIs need n o t retain paper forms beyond th e p o in t the beneficiary. For example, th e account title of a nephew Federal agencies have successfully applied th e direct receiving benefits o n b eh alf of a disabled au n t may be deposit e n ro llm e n t in fo rm atio n to th e co n su m er’s “Jo h n D oe o n b ehalf of Mary S m ith ” or “Jo h n Doe for records. Mary S m ith .” T h e same rule applies for institutional representative payees. For example, a nursing hom e The Final Data Element Required In Field 3 Of The Addenda may establish an accou nt as “H appy Valley N ursing Record Is A "Representative Payee Indicator” Code. What Is This? H om e for Roger S m ith .” A b o u t 10 percen t o f Social Security and SSI recipients Whose Aame And Social Security Aumber Should Be Entered With The EAR Entry When A Representative Payee Is Involved? are deem ed incapable of handling th e ir ow n payments. T hey may be too young (in th e case of benefits paid to ch ild ren ) or h av e m en tal/p hy sical lim ita tio n s th a t preclude th e m from looking after th e ir ow n affairs. In these cases, Federal agencies ap po in t family members, oth er individuals or institutions (e.g., nursing homes, S tate hospitals, etc.) to serve as representative payees. DFIs should always include th e nam e of th e entitled beneficiary in th e EN R entry rath er th a n th e nam e of th e representative payee. For example, w hen th e check reads “Mary S m ith for Jo h n D oe,” th e nam e included in th e EN R entry should be “Jo h n D oe.” R epresentative payees are legally en titled to accept paym ents o n behalf of beneficiaries. T h e en titled beneficiary’s ow n S SN should also be used in th e E N R entry. T h is is true even w hen th e benefi N in ety percent of th e tim e, DFIs will originate most EN R entries o n behalf of customers w ho do n o t require a representative payee. In these instances, a code of ciary is a m ino r child. W h e n th e beneficiary’s SSN is n o t k n o w n , h ow ev er, m o st F ederal ag e n cies will accept the SSN th a t appears o n th e beneficiary’s check. zero (“0”) will appear as th e last d ata elem ent in Field 3 of th e A d d en d a Record. W h e n direct deposit is requested by a representative pavee. DFIs m ust include a code of one (“ 1”) as the last data elem ent in Field 3 of th e A d d en d a Record. Q Our Financial Institution Has Several Branches, none Of Example: These Branches Has fl PCDLIF1C Terminal Or Other Deans T ra n s a c tio n C o d e “2 8 ,” P r e n o tif ic a tio n o f Of Connecting To The ACH. How Do Die ficcommodate The flutomated Enrollment Process? D em and D ebit A uthorization, for a n EN R sent Financial institutions should devise th eir ow n means will be returned as unprocessable. of collecting custom er en ro llm en t inform ation at their to S S A pertaining to a direct deposit enrollm ent R42 R outing N um ber/C heck D igit Error A C H processing site. Some financial institutions use T h e R o u tin g N u m b e r an d th e C h e c k D igit in te rn a l E -m ail or o th e r ad m in istra tiv e systems to included in Field 3 of th e A d d en d a R ecord is forward en rollm en t inform ation to th e ir central A C H either n o t a valid num ber or it does n o t conform site. O th e r financial institutions collect inform ation to th e Modulus 10 formula. o n paper enro llm ent forms and eith er forward them R 43 via mail or facsimile to their cen tral site. Invalid DFI A ccoun t Num ber T h e R eceiv er’s a c c o u n t n u m b e r inclu ded in Field 3 of th e A d d en d a R ecord does n o t m atch DJill The DFI Receive fin Acknowledgement That The EAR a corresponding ID num ber in th e O rig in ator’s Dias Received Ry The Federal Agency? records. S S A will generate a pren otification entry in response to all successful E N R e n trie s rec eiv e d for S o cial R 44 Invalid Individual ID Num ber T h e Individual ID N um ber provided in Field 3 Security or SSI direct deposit enrollm ents. A t present, o f th e A d d e n d a R e c o rd does n o t m a tc h a th e r e m a in in g F ed eral ag e n cies do n o t g e n e ra te corresponding ID nu m ber in th e O rig in ato r’s prenotes. records. H o u j Long Does It Take For The Prenote Or Reject To Be R 45 Invalid Individual N am e Received Ry The DFI? T h e nam e of th e Receiver provided in Field 3 A DFI should expect to receive a prenote or reject on of th e A d d en d a R ecord either does n o t exactly an EN R enrollm ent sent to S SA w ithin 3 business days. m atch a corresponding nam e in the O riginator’s A re je c t g en e rate d by o th e r Federal agencies may records or fails to include at least one alphameric require an additional day or two. character. R 46 Invalid Representative Payee Indicator Codes To Be Dsed By Federal Government Agencies OJhen Returning Unprocessable EAR Entries T h e R e p re s e n ta tiv e P ayee I n d ic a to r C o d e R 40 N on-Participant in E N R Program been om itted or it is n o t consistent w ith the DFI and/or O rig inato r n o t particip an t in the O rig in ator’s records. E N R autom ated enrollm ent program. R 41 included in Field 3 of th e A d d en d a Record has Examples: Invalid Transaction Code T h e R epresentative Payee In d ica to r C od e is E ither th e T ransaction C o d e included in Field “zero,” and SSA’s records indicate th a t paym ent 3 of th e A d d en d a Record does n o t conform to should be se n t to a rep resen tativ e payee o n t h e A C H R e c o r d F o r m a t S p e c i f i c a tio n s beh alf of an en titled beneficiary; or co n tain e d in A p pend ix Two of th e N A C H A A C H Operating Rules or it is n o t appropriate w ith regard to a n autom ated en ro llm en t entry. Oukkjtart R 47 T h e R epresentativ e Payee In d ica to r C o d e is T h e C ustom er A ssistance Staff a t one of th e “o ne,” and SSA’s records indicate th a t th ere is following Financial M anagem ent Service Regional no representative payee and th e beneficiary may Financial C enters is also available to answer receive paym ents directly. questions: Duplicate Enrollment T h e e n try is a d u p lic a te o f a n a u to m a te d A ustin, T X (512) 342-7300 Birmingham, A L (205) 912-6400 Chicago, IL (312) 353-5622 Kansas City, MO (816) 414-2100 Philadelphia, P A (215) 516-8015 San Francisco, C A (415) 744-7967 e n r o llm e n t e n try p rev io u sly in itia te d by a p a r t i c i p a n t o n th e sam e day in th e E N R autom ated en rollm en t program. I'm Still Confused About The CF1R Process find Have Additional Questions? Q uestions regarding th e ENR, A u to m ated E nrollm ent p ro ce ss sh o u ld be d ir e c te d to y o u r lo c a l A C H Association or you may con tact th e appropriate Federal agency at: Federal Agency Telephone Ao. Social Security A dm inistration (410) 965-2659 (for S S A and SSI paym ents) (410) 965-2863 (410) 965-0174 (410) 965-2847 Office of Personnel M anagem ent 1202) k W 517 Railroad R etirem en t Board (312) 751-4704 D ep artm ent o f Veterans Affairs (91 M OS?-25 ?2 O Data Collection Form Financial Institutions fDay Use Ulith the CF1R Process DFIs w anting to take advantage of th e E N R process may be faced w ith th e challenge of determ ining how best to capture th e necessary custom er acco un t inform ation an d forward it to a central A C H processing site w ithin th e ir organization. In these instances, DFIs must devise a way to com m unicate th e relev ant custom er account inform ation. Some DFIs may use E-M ail or a com parable m eans o f electron ic com m unications. O th ers may decide it is m ore co n v e n ie n t to use a paper form for this purpose. T his section co ntain s a generic form th a t DFIs may w an t to use w hen collecting custom er accoun t inform ation for th e autom ated en rollm en t process. DFIs may w ant to adapt th e form to accom m odate local situations. Illustrations are provided o n how to capture custom er acco un t inform ation needed for an EN R tran sactio n from Federal agency checks. enrollment Form OMB No. 0960-0564 [Do Dot Dlail This Form] Type o f Benefits (C heck One): Name o f Payee (Beneficiary) • Social Security Social Security No. □ • Railroad Retirement Annuity P A ddress • Railroad Retirement Unemployment/Sickness □ • Veterans Administration Compensation & Pension □ ) • Veterans Administration Education □ □ □ • Veterans Administration Life Insurance □ • Office of Personnel & Management Retirement/ Annuity □ • Office of Personnel & Management Survivor/ Annuity □ City State ZIP Telephone No. ( R epresentative Payee Yes No Person Com pleting This Form: Branch Telephone No. ( ) Account Type (Check One) Checking □ • Supplemental Security Income Savings A ccount No. QuickStart Examples of Representative Payee for a Social Security Beneficiary U m t e t i S t a t e s tC re ajS u rp Month Day Year 000 Pay to Ihe order of PHILADELPHIA. PA (J ) -© C g3-45-67S CjgA R Y DOE FQE> ^ C socse^ © DOLLARS CTS C A D CCD QpHN POE>—(T) ^ * * * * 3 7 l|* ~84j 123 MAPLE DRIVE “ I WOODSTOCK VA 23456 /n \ VOID AFTER ONE YEAR NOT NEGOTIABLE Single Payee Social Security Beneficiary (T) llame of Payee [Beneficiary] 33nttet> States ®reasun> ® PHILADELPHIA. PA Social Security no. (J ) NOTE ;J 2 3-45-67$T£> RY DQE > — ® 123 MAPLE DRIVE WOODSTOCK VA 23456 d O C SE£> FOR SEP > (D DOLLARS CTS Federal agencies prefer receiving the ; * * * * 3 7 | s- X4 p a y e e ’s ( b e n e f ic ia r y ’s) o w n S o c ia l D AFTER ONE YEAR S ecu rity n u m b e r (S S N ). NOT NEGOTIABLE T h e S SN a p p e a r in g o n t h e F e d e r a l c h e c k , however, may or may n o t belong to the payee. SSI Beneficiary D FIs s h o u ld ask fo r th e beneficiary's ow n S S N . If unavailable, th e S S N ap p earin g o n th e c h e c k is ®ntteb States ^Treasury Month Day acceptable. Year 0 0 0 BIRMINGHAM. AL ,<D <$pPP SE^> FOR SEP 123 MAPLE DRIVE WOODSTOCK VA 23456 DOLLARS CTS ;****371 ( T ) Address H NOT NEGOTIABLE ( 4 ) Type of Benefits © Representative Payee RRB Beneficiary ©niteb States! Creasurp Month Day Year 000 / CE r c o m b e FT> DOLLARS CTS 123 MAPLE DRIVE WOODSTOCK VA 23456 £****4 4 4 >(D * 44 NOT NEGOTIABLE Q Ouickjtart TM TM Ouick$tart Quickjtart Qirick$tari Qidckjtart Qidck$tart Qidck$tart © QmckStart FEDLME Helpsheet AUTOdiRTED enRQLimcni [EnR] Oueruieiu T h e A u to m a ted C learing House (A C H ) application provides you w ith th e ability to transm it consum er direct deposit enro llm en t inform ation to th e Federal governm ent for a variety of benefit applications (e.g., Social Security, Veterans A dm inistration, and Railroad R etirem ent). T his electronic entry will take th e place of th e S tandard Form 1199A (D irect Deposit A u th orization Form) an d th e Social Security A d m in istratio n ’s toll-free p h o n e service. Creating (In flutomated Enrollment l . Select A H A U T O M A T E D C L E A R IN G H O U S E from th e Fedline m ain menu, 2. S elect 03 CREATE A N A C T IV E B A T C H . 3. Select A H E N R S T D E N T E R A N A U T O M A T E D E N R O L L M E N T B A T C H . Company Batch Header Screen A C H B A T C H IN F O R M A T IO N : Last Detail: B A T C H #■. STA TU S: C O L L E C T E D IN F IL E :_____________ SERVICE C L A S S C O D E :® 220 C R E D IT S ONLY DI N A M E : © ______________________ DI R O U T IN G N U M B E R : © ______________________ S T A N D A R D ENTRY C L A S S C O D E © E N R A utom ated E nrollm ent ENTRY D E SC R IPT IO N : © A U T O E N R O L L O R IG IN A T IN G DI ID: © ________________________ C L O SE BA TCH ? N (Y/N) LOCAL NOTES: 1. Service Class Code: (Fedline will autom atically fill in this field w ith 2 2 0 Credits Only). 2. DI N am e: (Fedline will autom atically fill in this field w ith your in stitu tio n ’s nam e). 3. DI R outing N um ber: (Fedline will autom atically fill in this field w ith your in stitu tio n ’s routing num ber). 4. S tandard Entry Class C ode: (Fedline will autom atically fill in this field w ith E N R ). 5. Entry Description: (Fedline will autom atically fill in this field w ith A U T O E N R O L L ). 6. O riginating DI ID: (Fedline will autom atically fill in this field w ith your routing transit num ber). 7. Press < E N T E R > and < F 4> entry detail. 0 Entry Detail Screen A C H B A T C H IN F O R M A T IO N : B A T C H #: EN R DETAIL IN F O R M A T IO N : DETAIL #: A G E N C Y ID N U M B E R :© , TY PE O F B E N E F I T :© . EN R SPEC IA L A D D E N D A - 1. Tran C ode Rec DI ACCT. # (3) © © SSN Last N am e First N am e Payee Indicator © A G E N C Y ID: A m ultiple choice window will appear. S elect th e routing num ber to direct th e type of benefit enrollm ents in th e item to th e appropriate agency. S elect 6 5 5 0 6 0 0 4 2 to enroll customers for th e following benefit payments: Social Security Benefits Social Security S upplem ental Incom e Select 1 1 1 7 3 6 9 9 1 to enroll custom ers for th e following benefit payments: Railroad R etirem ent A n n u ity Railroad R etirem en t U nem ploym ent/Sickness V eterans A d m in istration C o m pensatio n & Pension V eterans A d m in istratio n Education V eterans A d m in istration Life Insurance V endor Office of Personnel & M anagem ent R etirem en t/A n n u ity Office of Personnel & M anagem ent Survivor/A nnuity N ote: A d dition al benefit paym ents may be added in th e future. Entry Detail Screen [cont.] 2. Type of Benefit: press < F 6> to select th e benefit choice w h ich corresponds w ith th e agency ID selected above: S O C IA L SEC U R ITY (R etirem ent, Survivors, and Disability) S U P P SEC U R ITY (Social Security S upplem ental R A IL R O A D R E T BD R A IL R O A D U ISI V A C O M P /P E N S IO N Incom e) (Railroad R etirem ent/A n nu ity) (Railroad R etirem en t U nem ploym ent/S ickness) (Veterans A d m inistration C om p en sation & Pension) VA LIFE IN S U R (VA Life Insurance) VA E D U C A T N M G IB (VA Education) VENDOR (Vendor) CIV IL SERV C S A (Office of Personnel & M anagem ent R etirem en t/A nn uity ) CIV IL SERV C S F (O P M S urvivor/A nnuity) EN R Special A ddenda: In this record you will provide detailed inform ation about each custom er you are enrolling for D irect D eposit for th e benefit type indicated. You will be prom pted to en ter th e following inform ation (all fields are m andatory): 3. T ransaction Code: press < F 6> for choices (22 D em and C red it and 32 Savings C redit). You will supply th e appropriate transaction code according to w hat type of accoun t th e beneficiary (your customer) wants th e benefit paym ent directed. 4. Rec. DI: type in th e routing n um ber of th e institu tion w here th e benefit paym ent should be directed (generally will be th e routing transit num ber of your institution, b u t can be th e routing n um ber of an o th er financial institution). 5. A cct. #: type in th e account n um ber to w h ich th e benefit paym ent will be posted. 6. SSN : type in th e Social Security num ber of th e beneficiary signing up for D irect Deposit. 7. Last N am e: type in th e last nam e of th e beneficiary (th e custom er). 8. First N am e: type in th e first nam e of th e beneficiary (th e custom er). Entry Detail Screen [cont.] 9. Payee Indicator: press <F 6> to select from th e m ultiple choice window (select 0 or 1). T h e 0 indicates th a t there is n o representative payee (e.g., nursing hom e or o th e r entity th a t receives th e paym ent on beh alf of th e beneficiary) and a 1 indicates th a t there is a representative payee. W h e n you hav e com pleted th e Entry D etail screen, press < E N T E R > and th e n press < F 4> to retrieve a new entry detail screen or press th e <A L T > and < F 1 > keys simultaneously to retu rn to th e C om pany B atch H eader screen and tab to th e “C L O S E BA TCH ?” field, press Y and < E N T E R >. Select and Q ueue A C H Batches O n c e all A C H b a tc h e s are c o m p le te , y o u c a n c o lle c t a n d q u e u e th e m for tra n sm issio n to th e Fed. 1. S elect 21 SELECT A N D Q U E U E BA TCH ES from th e A C H m enu and fill out th e appropriate fields. 2. T ransm it your file to th e ho st and verify your acknow ledgem ent. N O T E : You may w ant to set up a separate recurring b atch for benefit enrollm ents for Social Security benefits (routing num ber 655050042) and a b atch for o th er benefit paym ents (routing nu m ber 111736991). T his will save you tim e in creating th e b atch h eader record. You will th e n supply th e beneficiary inform ation in th e detail record of th e appropriate b atch each tim e you receive new enrollm ent requests. For m ore inform ation o n how to create a recurring batch, please refer to your FEDLINE Supplem ental G uide, “C reate A Recurring B atch” section. Marketing the Automated enrollment [ Oirick$tari] Process DFIs may w ant to prom ote the autom ated en ro llm e n t as a retail product th a t is available to custom ers w ho receive S ocial S ecu rity or R ailro ad R e t ir e m e n t Benefits a n d may use th e Q llick$ ta rt logo for this purpose. DFIs are also encouraged to order related p rom otional materials t h a t are available from SSA. Tent Cards 3" x 6" Q uantity Requested: Button 1 1/2" Q uantity Requested: Poster 8 1/2" x 11" Q uantity Requested: Please send my FREE Social Security D irect D eposit M aterials to: N am e _______________________________________________________ In s titu tio n ___________________________________________________ Please allow 3 weeks for delivery. If expedited delivery is required, please indicate. M ail orders to: A d d re ss_____________________________________________________ Social Security A dm inistration (P.O. Boxes) _________________________________________________ P.O. Box 17195 Baltimore, M D 21203 C i t y ______________________________________ S tate _________ ZIP C o d e ____________________________________________________ Orders may also be faxed to: (410) 965-0384- P hone N u m b e r ______________________________________________ Social Security Administration SSA Pub. No. 31-242
@FedFRASER