A Guide to Federal Government ACH Payments 1-1

Enrollment for 

Federal Payments 

Overview

In this chapter...

A: Automated Enrollment (ENR) ............................................................................................................... 1-4

Go Direct Online Enrollment Option for Financial Institutions ................................................................ 1-4 

Social Security Administration (SSA) Payment Cycling .............................................................................. 1-4 

B: Simplified Enrollment ............................................................................................................................. 1-5

Telephone Enrollment .............................................................................................................................................. 1-5 

Paper Form Enrollment ........................................................................................................................................... 1-5 

Enrollment Methods for Specific Payments ..................................................................................................... 1-5 

1

Financial institutions can play a key role in assisting recipients of federal payments to enroll in 

Direct Deposit with their paying agency. This chapter is a guide to the various enrollment methods 

available for both consumer and corporate recipients. 

There are several enrollment options: 

1. Enroll customers in lobby, batch and submit ENR enrollments through ACH from the financial 

institution. 

2. Financial institution can enroll on the Go Direct® website to enter enrollments for customers. 

3. Financial institution can call the U.S. Treasury Electronic Payment Solution Center (EPSC) at 

1-800-333-1795 for immediate enrollment of customers. 

4. Enrollment using Bureau of the Fiscal Service (Fiscal Service) Direct Deposit Sign-Up Form FS 

Form 1200 for Social Security benefits or disability payments, Supplemental Security Income 

payments, Railroad Retirement Board annuities, and Office of Personnel Management (OPM) 

Civil Service annuities and Direct Deposit Sign Up Form FS Form 1199A for other federal 

payments, or the ACH Vendor/Miscellaneous Payment Enrollment Form SF 3881 for corporate 

vendor payments. 

Errors in the Direct Deposit enrollment process are the primary cause of misdirected payments. 

Financial institutions will be held liable for providing incorrect enrollment information and should, 

therefore, carefully review all Direct Deposit enrollment procedures. 
1-2 A Guide to Federal Government ACH Payments

1. Enrollment Green Book

Allotments, Federal Salary, and Federal Employment Related Payments ........................................... 1-7 

When Should Direct Deposit Begin Once It Has Been Initiated? ............................................................. 1-8 

IRS Tax Refunds .......................................................................................................................................................... 1-8 

Railroad Retirement Board ..................................................................................................................................... 1-9 

Social Security Administration .............................................................................................................................. 1-9 

Office of Personnel Management ......................................................................................................................... 1-9 

TreasuryDirect (Bureau of the Fiscal Service) ..............................................................................................1-10 

Simplified Enrollment for Series H/HH Savings Bond Interest Payments (Bureau of the Fiscal 

Service) .........................................................................................................................................................................1-10 

Department of Veterans Affairs Direct Deposit ............................................................................................1-10 

C: Paper Enrollment Methods ................................................................................................................. 1-11

Fiscal Service Direct Deposit Sign-Up Form (FS Form 1200) .................................................................1-11

Direct Deposit Sign-Up Form (FS Form 1200) ..............................................................................................1-11 

How to Complete the FS Form 1200 .................................................................................................................1-11 

Federal Benefit Recipient Information ............................................................................................................1-12 

Bank or Credit Union Information .....................................................................................................................1-12 

Type of Payment .......................................................................................................................................................1-12 

SSA – Single Payee Example .................................................................................................................................1-14 

SSA– Representative Payee Example................................................................................................................1-15 

D: Direct Deposit Sign-Up Form (FS Form 1199A) .......................................................................... 1-16

How to Complete the FS Form 1199A ..............................................................................................................1-16 

Section 1- To be completed by the payee ........................................................................................................1-16 

Name of the Person(s) Entitled to Payment (Box B) ..................................................................................... 1-16 

Claim or Payroll ID Number (Box C) .................................................................................................................... 1-16 

Claim/Payroll ID Table ............................................................................................................................................... 1-17 

Depositor Account Number (Box E) ...................................................................................................................... 1-17 

Type of Payment (Box F) ............................................................................................................................................ 1-18 

Payee/Joint Payee Certification (Box F) ............................................................................................................. 1-18 

Joint Account Holders’ Certification (Optional) ............................................................................................... 1-18 

When Using Witnesses ................................................................................................................................................ 1-18

Power-of-Attorney ........................................................................................................................................................ 1-18 

Section 2 - To Be Completed by the Payee or the Financial Institution ..............................................1-18 

Section 3 - To Be Completed by the Financial Institution ........................................................................1-19 

What Actions Should Take Place Before Filing the FS Form 1199A? ...................................................1-19 

Important Information for New Direct Deposit Recipients .....................................................................1-19 

How Are Forms Distributed? ...............................................................................................................................1-20 

What to do if Direct Deposit does not begin ..................................................................................................1-20 

FS Form 1199A Example .......................................................................................................................................1-21 

E: Federal Financial EDI (FEDI) Payments/Vendor Payments .................................................... 1-22

Overview ......................................................................................................................................................................1-22 

Delivery of Remittance (Addenda) Information ..........................................................................................1-22 
A Guide to Federal Government ACH Payments 1-3

Green Book 1. Enrollment

Enrollment .................................................................................................................................................................. 1-22 

Enrollment Checklist ............................................................................................................................................... 1-23 

How to Complete the SF 3881 ............................................................................................................................. 1-23 

Agency Information...................................................................................................................................................... 1-23 

Payee/Company Information .................................................................................................................................. 1-23 

Financial Institution Information .......................................................................................................................... 1-23 

Form Distribution ......................................................................................................................................................... 1-24 

Pointers for Completing the SF 3881 Form ................................................................................................... 1-24 

F: Enrollment Guidance ............................................................................................................................. 1-24

ENR (Automated Enrollment) Entry Detail Record .................................................................................... 1-27 

ENR Addenda Record .............................................................................................................................................. 1-27 

Representative Payee ............................................................................................................................................. 1-28 

Return Reason Codes .............................................................................................................................................. 1-28 

ENR Tips and Information Checklist ................................................................................................................. 1-29 

General Questions/Information: ............................................................................................................................. 1-29 

Benefit Recipient Information ................................................................................................................................. 1-29 

Information Needed for Direct Deposit Enrollment ...................................................................................... 1-30 

Helpful Numbers and Websites ............................................................................................................................... 1-30 

Federal Agency Addresses and Phone Numbers.......................................................................................... 1-31 

G: Termination of Enrollment ................................................................................................................. 1-36

Termination by the Recipient .............................................................................................................................. 1-36 

Courtesy Notice ......................................................................................................................................................... 1-36 

Termination by the Financial Institution ........................................................................................................ 1-37 

Recipient Notice to the Federal Agency ........................................................................................................... 1-37 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-4

A: Automated Enrollment (ENR)

ENR is a convenient method for financial institutions to use the ACH network to transmit Direct 

Deposit enrollment information to federal agencies for benefit payments. An ENR entry is a nonmonetary entry sent through the ACH by any Receiving Depository Financial Institution (RDFI) to a 

federal government benefit agency participating in the ENR program. 

ENR is the enrollment method preferred by participating federal benefit agencies. The ENR reduces 

errors in the enrollment process and may expedite delivery of Direct Deposit payments as 

compared to paper enrollment methods. 

An ENR should be used when the recipient is requesting to initiate direct deposit for their federal 

benefits. This may include, but is not limited to a first-time sign-up for Direct Deposit, a change to 

an existing Direct Deposit enrollment (e.g. new bank account number) with the current financial 

institution, or a change from one financial institution to another new financial institution. 

Enrollments received and accepted by the paying agency at least 10 business days prior to the 

benefit recipient’s next scheduled payment date will generally allow the recipient’s next month’s 

payment by Direct Deposit. 

To change financial institution data for an existing Direct Deposit enrollment within a financial 

institution where an authorization exists, a Standard Entry Code (COR) entry, commonly known as 

a Notification of Change (NOC), may be used. (Refer to Chapter 6 for more information on NOCs.) 

Go Direct Online Enrollment Option for Financial Institutions

In addition to the Automated ENR option, financial Institutions can also choose to take advantage of 

enrollment via the Go Direct website. The Go Direct campaign was a national marketing and public 

education campaign sponsored by the U.S. Department of the Treasury, Bureau of the Fiscal Service 

and the Federal Reserve System that increased the use of Direct Deposit for federal benefit check 

recipients. Although the Go Direct campaign has officially concluded, financial institutions can 

continue to utilize the enrollment website. Please review the Go Direct Reference Guide for 

Financial Institutions and Corporations for more details. 

Enrollments submitted through the Go Direct enrollment site will be validated and submitted to the 

respective paying agencies by the Electronic Payment Solutions Center (EPSC). The U.S. Treasury 

EPSC is operated in a secure Federal Reserve site. Financial Institution customers whose 

enrollments cannot be verified or processed will be contacted by the U.S. Treasury Electronic 

Payment Solutions Center via letter delivered by USPS. 

All reject or return item processing for these items is handled by the Operations and Research 

Division of the EPSC. Financial institutions electing to submit enrollments electronically through Go 

Direct are relieved of the obligation of processing ENR return items. 

Social Security Administration (SSA) Payment Cycling

The payment date for newly enrolled Social Security beneficiaries is either the second, third, or 

fourth Wednesday of the month. These additional payment days alleviate the workload peaks for 

SSA, Fiscal Service, and financial and business communities. 
Green Book 1. Enrollment

1-5 A Guide to Federal Government ACH Payments

However, in instances where the beneficiary receives both Social Security benefit or disability 

payments and Supplemental Security Income (SSI) payments, the payments are issued on the 

standard 1st and 3rd schedule. 

B: Simplified Enrollment

There are a variety of ways for federal payment recipients to enroll for Direct Deposit without 

visiting a financial institution. 

Telephone Enrollment

Federal benefit recipients can be enrolled by calling the U.S. Treasury Electronic Payment Solution 

Center at 1-800-333-1795, by visiting the Go Direct website, or by completing Fiscal Service Direct 

Deposit Sign-Up Form FS Form 1200. The U.S. Treasury Electronic Payment Solution Center hours 

of operation are 8:00 a.m. - 8:00 p.m. Eastern Time (ET), Monday through Friday, excluding federal 

holidays. 

Financial institution representatives can also assist their recipients who wish to enroll by phone. 

However, when doing so, the benefit recipient - or their representative - must be present when the 

phone call is made. U.S. Treasury Electronic Payment Solutions Center personnel will ask to speak 

to the recipient or their representative and obtain approval for the 3rd party banking 

representative to provide their enrollment information. Financial institutions that elect to capture 

enrollment information on paper or through other means and process after hours or in a backoffice environment may not use U.S. Treasury Electronic Payment Solutions Center telephone 

enrollment on behalf of their customer. 

Paper Form Enrollment

Recipients who elect to complete Fiscal Service paper Form FS 1200 should complete it on their 

own or with the assistance of a financial Institution representative for the Routing Transit Numbers 

(RTN) and account number and mail to: 

U.S. Treasury Electronic Payment Solution Center 

P.O. Box 650527 

Dallas, Texas 75265-0527 

The table below shows the Simplified Enrollment procedures for specific payment types. 

Enrollment Methods for Specific Payments

Payment Type Recipient

Allotments 

Federal Salary 

Federal EmploymentRelated Payments (i.e., 

Travel Reimbursement, 

Uniform Allowance, etc.) 

Completes an approved form at their federal agency personnel 

office (e.g., FS Form 2231, FastStart Direct Deposit). Some federal 

employees are able to make changes to Direct Deposit information 

via telephone using Employee Express. 

Recipients should contact their servicing personnel office for more 

information. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-6

Payment Type Recipient

IRS Tax Refunds Completes the financial institution information section of the IRS 

Form 1040 during tax preparation. 

For paper filing completes a U.S. Individual Income Tax 

Declaration (IRS Form 8453). For electronic filing via IRS e-file 

completes an 8453-OL. 

Recipients should contact the IRS at 1-800-829-1040 or visit 

www.irs.gov for more details. 

Office of Personnel 

Management (OPM) 

Form 

Note: OPM does not allow 

ENR enrollments for 

representative payees. 

Financial institutions can enroll their customers or recipients can 

enroll individually by calling the U.S. Treasury Electronic Payment 

Solution Center at 1-800- 333-1795 (English) / 1-800-333-1792 

(Spanish), by visiting www.GoDirect.gov, or by completing FS 

Form 1200. The U.S. Treasury Electronic Payment Solution Center 

hours of operation are 8:00 am - 8:00 pm ET, Monday through 

Friday, excluding federal holidays. 

Additionally, Financial Institutions and/or recipients can call OPM 

at 1-888-767-6738 or 202-606-0500 in the Washington, DC area 

or visit www.opm.gov/retire for details. 

Railroad Retirement Board 

(RRB) 

Financial institutions can enroll their customers and/or recipients 

can enroll individually by calling 1-800- 333-1795 (English)/ 1- 

800-333-1792 (Spanish), or by visiting www.GoDirect.gov,

completing FS Form 1200. The U.S. Treasury Electronic Payment 

Solution Center hours of operation are 8:00 a.m. - 8:00 p.m. ET, 

Monday through Friday, excluding federal holidays. 

Additionally, financial institutions and/or recipients can contact 

RRB’s toll-free telephone number at 1-877-772-5772. 

Social Security (SSA) and 

Supplemental Security 

Income (SSI) 

Financial institutions can enroll their customers and/or recipients 

can enroll individually by calling the U.S. Treasury Electronic 

Payment Solution Center at 1-800- 333-1795 (English)/ 1-800- 

333-1792 (Spanish), by visiting www.GoDirect.gov, or by 

completing FS Form 1200. The U.S. Treasury Electronic Payment 

Solution Center hours of operation are 8:00 a.m. - 8:00 p.m. ET, 

Monday through Friday, excluding federal holidays. 

Additionally, financial institutions and/or recipients can enroll by 

contacting the SSA at 1-800-SSA-1213 (1-800-772-1213). 
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1-7 A Guide to Federal Government ACH Payments

Payment Type Recipient

Bureau of the Fiscal Service 

TreasuryDirect 

Recipient is automatically enrolled in the TreasuryDirect account 

for purchasing Treasury bills, notes, and bonds. Investors use 

Form PD F 5182, New Account Request, to establish a 

TreasuryDirect account and to provide Direct Deposit information. 

Investors use Form PD F 5178, Transaction Request, to change 

Direct Deposit information. 

Recipients should contact a designated TreasuryDirect Servicing 

Office or visit www.treasurydirect.gov for forms and other 

information. 

Vendor/Misc. The ACH Vendor/Miscellaneous Payment Enrollment Form (SF 

3881) is an optional three-part form that federal agencies may use 

to enroll their vendors in the Financial Electronic Data 

Interchange (FEDI) program. 

Recipients should contact the federal agency they are providing 

goods or services to for more information. 

Veterans Compensation and 

Pension 

Note: VA does not allow ENR 

enrollments for 

representative payees. 

Financial institutions can enroll their customers and/or recipients 

can enroll individually by calling 1-800- 333-1795 (English)/ 1- 

800-333-1792 (Spanish), or by visiting www.GoDirect.gov, or by 

completing FS Form 1200. The U.S. Treasury Electronic Payment 

Solution Center hours of operation are 8:00 a.m. - 8:00 p.m. ET, 

Monday through Friday, excluding federal holidays. 

Recipients can also contact the VA National Direct Deposit EFT 

line at 1-800-827-1000 or visit www.benefits.va.gov/benefits for 

further details. 

Veterans Education 

Note: VA does not allow ENR 

enrollments for 

representative payees. 

Enrolls at the same time recipient applies for benefits at the VA or 

at any time after recipient begins receiving benefits. Recipients 

already receiving benefits should contact the VA Education Direct 

Deposit EFT line at 1-888-442-4551. 

Veterans Life Insurance 

Note: VA does not allow ENR 

enrollments for 

representative payees. 

Enrolls at the same time recipient applies for benefits at the VA or 

at any time after recipient begins receiving benefits. 

Recipients should contact the VA Insurance office at 1-800-669- 

8477 or visit www.insurance.va.gov for further details. 

Allotments, Federal Salary, and Federal Employment Related Payments

Current federal employees can complete an approved form at their agency personnel office, or 

servicing pay office. This form may be a FS Form 1199A (Direct Deposit Sign Up), a FS Form 2231 

(FastStart Direct Deposit Sign Up), or a similar form used by the employee’s agency. The Direct 

Deposit payments may be for federal salaries, allotments, or for employment related payments for 

travel reimbursement or uniform allowance. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-8

When Should Direct Deposit Begin Once It Has Been Initiated?

Use the table below to determine when Direct Deposit should begin once the enrollment form is 

forwarded to the federal agency. 

IF the payment type is... THEN Direct Deposit should begin within...

Federal salary 

Military civilian pay 

Military active duty Allotments 

2-3 pay periods 

Military retirement/annuity 60-90 days 

Details of Each Payment Type

IRS Tax Refunds

The Internal Revenue Service (IRS) offers the Direct Deposit of IRS Form 1040 tax refunds for both 

paper and electronically filed returns. 

For IRS Form 1040 paper returns, taxpayers receiving refunds and electing Direct Deposit simply 

complete the financial institution information section of the form and mail the form to the IRS. 

For electronically filed returns using an authorized IRS e-file provider, the taxpayer will complete a 

U.S. Individual Income Tax Declaration for Electronic Filing (IRS Form 8453) for refunds by Direct 

Deposit. This form authorizes the tax preparer to transmit the return and allows the choice of 

having the refund deposited into a checking or savings account. 

Taxpayers preparing returns on a personal computer using commercial tax preparation software or 

the IRS Free Online Filing and transmitting the information via the internet to the IRS complete 

Form 8453-OL, U.S. Individual Income Tax Declaration for On-Line Filing. This form allows the 

taxpayer to choose Direct Deposit for the refund. The financial institution will not receive copies of 

these forms. 

The financial institution should be aware of the following: 

1. Enrollment in Direct Deposit for an income tax refund is not a permanent election by the 

taxpayer. Taxpayers must elect Direct Deposit each filing year. 

2. Payments must be returned when they cannot be properly posted by the financial institution. 

NOCs cannot be used to correct any information. In the instance where a Direct Deposit IRS tax 

refund is unpostable and returned, taxpayers will receive a check in place of a Direct Deposit 

payment. 

3. The financial institution’s responsibility is to post the Direct Deposit payment to the account 

indicated on the ACH record. If the funds are posted to a valid account that turns out to be 

incorrect, the financial institution is not liable to the government for the return of the funds. If the 

taxpayer or the taxpayer’s agent gave the incorrect account information, neither Fiscal Service 

nor the IRS will assist the taxpayer with recovering the funds. The taxpayer is free to pursue civil 

action. If, however, the IRS made the error, it will make the taxpayer whole. 

For further information, contact the IRS at 1-800-829-1040; contact the local IRS District Office, or 

visit www.irs.gov.
Green Book 1. Enrollment

1-9 A Guide to Federal Government ACH Payments

For IRS tax refund status, the recipient should go to www.irs.gov and select “Get Your Refund 

Status.” 

Railroad Retirement Board

Financial institutions can enroll their customers and/or recipients can enroll individually by: 

1. Calling the U.S. Treasury Electronic Payment Solution Center at 1-800-333-1795 (English)/1- 

800-333-1792 (Spanish), or by visiting the Go Direct website, or by completing FS Form 1200. 

The call center hours of operation are 8:00 a.m. - 8:00 p.m. ET, Monday through Friday, 

excluding federal holidays, or 

2. Calling the Railroad Retirement Board at 1-877-772-5772, or 

3. Sending a written request to enroll in Direct Deposit to the local Railroad Retirement Board 

field office. The letter should include the recipient’s name and the following: 

A: Account Number, 

B: Account type (checking or savings), and 

C: RTN of the financial institution. 

Social Security Administration

Financial institutions can enroll their customers and/or recipients can enroll individually by calling 

the U.S. Treasury Electronic Payment Solution Center at 1-800- 333-1795 (English)/ 1-800-333- 

1792 (Spanish), or by visiting the Go Direct website, or by completing FS Form 1200. The U.S. 

Treasury Electronic Payment Solution Center hours of operation are 8:00 a.m. - 8:00 p.m. ET, 

Monday through Friday, excluding federal holidays. 

The financial institution may make the call on behalf of the recipient and may provide the 

enrollment information; however, SSA will request to speak to the recipient to verify their identity. 

Recipients who already are receiving Social Security and SSI benefits by check may also enroll in 

Direct Deposit by calling 1-800-SSA-1213 (1-800-772-1213). 

SSA’s toll-free telephone service is available from 7:00 a.m. to 7:00 p.m. ET, Monday through Friday. 

Due to the high volume of calls, the best times to telephone are in the early morning and during the 

latter parts of the week and month. 

Office of Personnel Management

Financial institutions can enroll their customers or recipients can enroll individually by calling the 

U.S. Treasury Electronic Payment Solution Center at 1-800- 333-1795 (English)/ 1-800-333-1792 

(Spanish), by visiting the Go Direct website, or by completing FS Form 1200. The U.S. Treasury 

Electronic Payment Solution Center hours of operation are 8:00 a.m. - 8:00 p.m. ET, Monday 

through Friday, excluding federal holidays. 

Additionally, new retirees, annuitants, and survivor annuitants may enroll in Direct Deposit by 

calling the toll-free customer service number at 1-888-767-6378. Those in the Washington, DC 

area are encouraged to call 202-606-0500. Recipients may also visit www.opm.gov/retire for 

instructions on how to change their payment address on-line. 

Note: The Office of Personnel Management does not allow ENR enrollments for representative payees. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-10

TreasuryDirect (Bureau of the Fiscal Service)

TreasuryDirect is a book-entry securities system in which investors’ accounts of book-entry 

Treasury marketable securities are maintained. TreasuryDirect is designed for investors who 

purchase Treasury securities and intend to hold them until maturity. Investors can establish a 

TreasuryDirect account and hold all their bills, notes, and bonds in one TreasuryDirect account 

showing the same ownership for all their securities, or they can establish multiple accounts 

reflecting different ownership. Investors will receive a TreasuryDirect Statement of Account when 

they open a new account, when changes are made to the account, upon request, or if they have not 

received one during the calendar year. 

TreasuryDirect principal and interest payments are made electronically by Direct Deposit to a 

checking or savings account at a financial institution designated by the investor. When establishing 

a TreasuryDirect account, investors will complete Form PDF 5182, New Account Request, and will 

include Direct Deposit information. Investors are not required to fill out an FS Form 1199A. 

Investors can also establish an account when they complete Form PDF 5381, Treasury Bill, Note & 

Bond Tender to purchase a security. Investors use Form PDF 5178, Transaction Request, to change 

Direct Deposit information for the TreasuryDirect account. Financial institutions may be asked by 

customers to furnish the account number, routing transit number, account type, and/or the 

financial institution’s name. The investor should contact a designated TreasuryDirect Servicing 

Office or visit the TreasuryDirect website for forms and other information. 

Simplified Enrollment for Series H/HH Savings Bond Interest Payments 

(Bureau of the Fiscal Service)

Series H/HH savings bonds are current income securities that pay interest semiannually. Interest 

on bonds issued since October 1989 to the present must be paid by Direct Deposit. Unless a 

recipient claims that it will cause a hardship, interest on bonds issued prior to October 1989 must 

also be paid by Direct Deposit. 

To enroll in Direct Deposit or to change their enrollment, recipients may: 

1. Download PDF 5396 from the TreasuryDirect website, complete and mail the form as instructed, 

or 

Send a letter to the Treasury Retail Securities Services, P.O. Box 9150, Minneapolis, MN 55480-9150. The 

letter should include the following:

A. Recipient’s name, 

B. Social Security number, 

C. Account number, 

D. Account type (checking or savings), and 

E. RTN number of the financial institution. 

Department of Veterans Affairs Direct Deposit

Veterans Compensation and Pension, and Vocational Rehabilitation and Employment recipients 

already receiving benefits may enroll in Direct Deposit by calling 1-800-827-1000. Compensation 
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1-11 A Guide to Federal Government ACH Payments

and Pension Beneficiaries may also enroll in Direct Deposit through VA’s eBenefits self-service 

portal (www.ebenefits.va.gov/ebenefits). 

VA Education recipients already receiving benefits may enroll in Direct Deposit by calling 1-888- 

442-4551. 

New VA benefits recipients should provide Direct Deposit information at the time of application. 

Recipients of VA benefits may also enroll by submitting VA Form 24-0296 (Direct Deposit 

Enrollment) and mailing it to the Station of Jurisdiction over the claim. To locate the Station of 

Jurisdiction over the claim, visit http://www.benefits.va.gov/benefits/offices.asp.

Veterans Life Insurance recipients may enroll in Direct Deposit by calling 1-800-669-8477. A 

Direct Deposit enrollment form and further details are also available by visiting 

www.insurance.va.gov or by writing to: 

VAROIC – DD 

P.O. Box 7208 

Philadelphia, PA 19101-7208 

New recipients should provide Direct Deposit information at the time of application. 

Note: The Department of Veterans Affairs does not allow ENR enrollments for representative payees. 

C: Paper Enrollment Methods

Fiscal Service Direct Deposit Sign-Up Form (FS Form 1200)

The table below identifies those agencies and payment types where the FS Form 1200 is the proper 

form to use, in situations when a paper enrollment is needed: 

Agency I Payment Type Recipient

Social Security Administration and 

x Social Security

x Supplemental Security Income Recipients should complete Fiscal Service FS Form 

1200. Send completed form to: 

U.S. Treasury Electronic Payment Solution Center 

P.O. Box 650527 

Dallas, TX 75265-0527 

Office of Personnel Management and 

x Annuity

x Retirement Annuity or Survivor Annuity

Railroad Retirement Board and 

x Railroad Retirement Annuity Benefit

x Railroad Retirement 

Unemployment/Sickness

Direct Deposit Sign-Up Form (FS Form 1200)

The Direct Deposit Sign-Up Form (FS Form 1200) is available in Chapter 9, Forms. 

How to Complete the FS Form 1200

Payee must complete boxes A, B, C, D, E, and F. 

Clearly print all information. Provide name(s) and address exactly as they appear on the federal 

benefit recipient’s benefit check. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-12

Federal Benefit Recipient Information

Name of person entitled to government benefits (beneficiary). 

If there is more than one person named on the check, such as a parent and a minor child, this will be 

the name of the minor child. 

Representative Payee? Check appropriate box Yes or No. 

If yes, enter Name of Representative Payee. 

A representative payee is a person or institution that is legally entitled to receive payments on behalf 

of a beneficiary who has been deemed incapable of handing their own financial affairs. When a 

representative payee is present, both names will appear on the benefit check. Minor children receiving 

federal benefits should always have a representative payee. An example of a representative check 

payee is Mary Smith for Jane R. Doe. 

Provide name(s) and address exactly as they appear on the most recent benefit check. 

Social Security Number (SSN) of persons entitled to government benefits (beneficiary). If the 

benefits are for a minor child, this will be the child’s SSN. This is never the representative payee’s 

SSN. 

Daytime Telephone Number of the person to contact if there are questions regarding the 

enrollment information provided on the form. 

Bank or Credit Union Information

Depositor’s account title must include the name of the person authorized to receive the payment, 

(e.g. representative payee if applicable), and an account type (either Checking or Savings). 

The 9-digit routing number is a 9-digit number used to denote which financial institution will 

receive the deposit. 

Account Numbers may be up to 17 characters long. It may contain both numeric 0-9 and alphabetic 

characters A to Z. 

Type of Payment (check only one box)

The appropriate box should be checked. Refer to the examples that follow to determine how to 

identify the appropriate payment type 

Note: You must use a separate form for each payment type or individual that is being enrolled. 

For payment types not listed on the FS Form 1200 please refer to the next section, Direct Deposit 

Sign-up Form (FS Form 1199A) for instruction on submitting enrollments for other payment types. 

Either a claim number or check number is required. 

Claim number is an identifying number assigned by the paying agency to the benefit recipient. In many 

cases, this is the SSN the benefits are drawn upon followed by a series of letters or letters and numbers. 

For some agencies this may be a unique number that does not use the SSN. Claim numbers can 

typically be found on award letters issued by the paying agency, correspondence sent by the agency, or 

year-end tax statements. 

Check number is the 12-digit check number of the recipient’s most recent benefit payment. 
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1-13 A Guide to Federal Government ACH Payments

The check number is located in the upper right-hand corner of the check. It is formatted as 4-digits a 

space and then 8-digits. (example: 2053 87654321) 

Dollar amount of most recent benefit payment is required. 

When Using Witnesses

When witnesses are used, they should sign to the right of the mark “X” and print the word 

“Witness” above their signature. 

Power-of-Attorney

A person appointed as a power-of-attorney cannot sign the FS Form 1200 for the payee. The FS 

Form 1200 can only be signed by the designated recipient or a representative payee. Questions 

regarding this item should be directed to the appropriate federal agency. 

Agency I Payment Type Recipient

Federal Housing Administration 

Debentures (Fiscal Service) 

The Federal Housing Administration (FHA) issues these 

debentures in settlement of defaulted mortgages. For more 

information, recipients should contact Housing and Urban 

Development at (202) 708- 3423, or write to: 

HUD 

451 7th Street, SW 

Washington, DC 20410 

Attn: multi-family or single-family claims 

Series H/HH Savings Bond 

Interest Payments (Fiscal 

Service) 

Completes PD F 5396. Recipients should visit the 

TreasuryDirect website to download the form or contact: 

 

 Bureau of the Fiscal Service 

 Treasury Retail Securities Services

 P.O. Box 9150

 Minneapolis, MN 55480-9150 

 

Note: Only send completed FS Form 1199A forms to the federal agency responsible for issuing the 

payment. The U.S. Treasury Electronic Payment Solution Center is unable to process the FS Form 

1199A form and will be forced to reject them. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-14

SSA – Single Payee Example

Example 1: 

Social Security 

Administration 

Single Payee
Green Book 1. Enrollment

1-15 A Guide to Federal Government ACH Payments

SSA– Representative Payee Example

Example 2: 

Social Security 

Administration 

Representative 

Payee
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-16

D: Direct Deposit Sign-Up Form (FS Form 1199A)

A Direct Deposit Sign-Up Form (FS Form 1199A) is available in Chapter 9, Forms. 

How to Complete the FS Form 1199A 

Section 1- To be completed by the payee

The financial institution should verify that all information on this portion of the form is correct. 

The financial institution needs to be aware of the following special items: 

Name of the Person(s) Entitled to Payment (Box B)

This will be the name of the payee. Refer to the appropriate federal agency examples to determine 

what information to enter for recurring benefit payments. 

Claim or Payroll ID Number (Box C)

Claim numbers may be found on documents provided by the recipient’s paying agency(s) such as: 

award letters, yearly tax statements, or general correspondence. 

Claim Number Prefix

A claim number prefix is one or more letters preceding the claim number. These characters indicate 

the type of claim for which benefits are being paid. For an explanation of the meaning of a prefix, 

contact the federal agency authorizing the payment. 

Claim Number

A claim number identifies the recipient’s records at the federal agency that authorizes the payment. 

Claim Number Suffix

A claim number suffix is one or more characters (letters or numbers) following a claim number. 

These characters indicate the payment type or the payee’s relationship to the individual who the 

benefits are being drawn. For a full explanation of a suffix, contact the federal agency authorizing 

the payment. 

Example:

VA Compensation, Pension and Education. .123-45-6789 00 
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1-17 A Guide to Federal Government ACH Payments

Claim/Payroll ID Table

The table below highlights what to enter on the FS Form 1199A for the Claim or Payroll ID Number 

(BOX C) for the various payment types. 

Payment Type Prefix Claim Number Suffix

Allotments (Savings and 

Discretionary) 

Leave Blank SSN or Payroll ID Number Leave Blank 

Black Lung 

(Department of Labor) 

Leave Blank SSN 2 characters 

following the SSN 

Central Intelligence Agency 

/Annuity 

Leave Blank SSN Leave Blank 

Federal Employee 

Workers’ Compensation 

(Department of Labor) 

Leave Blank Case number assigned by 

the federal agency 

Leave Blank 

Federal Salary/Military 

Civilian Pay 

Leave Blank SSN or Payroll ID Number Leave Blank 

Longshore and Harbor 

Workers’ Compensation 

(Department of Labor) 

Leave Blank File number assigned by 

the federal agency 

Leave Blank 

Military Active Duty and 

Allotments 

Leave Blank SSN Leave Blank 

Military Retirement and 

Annuity 

Leave Blank SSN Leave Blank 

Miner’s Benefit 

(Department of Labor) 

Leave Blank SSN Leave Blank 

Savings Bond Agency’s Fee 

(Fiscal Service) 

Leave Blank Issuing or paying agency 

code assigned to the 

financial institution 

1- or 2-digit number 

following the SSN 

Series H/HH Savings Bond 

Interest Payments (Fiscal 

Service) 

Leave Blank SSN Leave Blank 

Veterans Compensation, 

Pension or Education 

Leave Blank 8-digit or 9-digit SSN Always a 2-digit 

number 

Veterans Life Insurance 1 to 2 letters 4- to 8-digit number None or a 2-digit 

number 

Depositor Account Number (Box E)

x If account numbers are not used, then insert name or other identification in the box. 

x Use only letters A-Z and digits 0-9 

x Up to 17 characters 
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A Guide to Federal Government ACH Payments 1-18

Type of Payment (Box F)

The appropriate box should be checked 

If payment type is not included in the list, then check “Other” and enter the payment type in the 

blank. 

For military payments, enter the name of the military branch in the blank next to the payment type 

checked. 

Payee/Joint Payee Certification (Box F)

IF... THEN...

there is only one payee, who could be a 

representative payee* 

only the payee signature is required 

joint payees complete the form both must sign the form 

the payee’s signature is made be a mark “X” it must be witnessed by two persons who sign and 

date the form. 

* See Glossary, Chapter 8 

Joint Account Holders’ Certification (Optional)

Federal agencies do not require signatures in this block; however, some financial institutions do. 

If the signature is made by a mark “X”, it must be witnessed by two persons who sign and date the 

form. 

When Using Witnesses

When witnesses are used, they should sign to the right of the mark “X” and print the word 

“Witness” above their signature. 

Power-of-Attorney

A person appointed as a power-of-attorney by the court cannot sign the FS Form 1199A for the 

payee. The FS Form 1199A can only be signed by the designated recipient or a representative 

payee. Questions regarding this item should be directed to the appropriate federal agency. 

Section 2 - To Be Completed by the Payee or the Financial Institution

The financial institution should verify that the name and address of the federal agency that 

authorized the payment is used. 

For a listing of addresses, refer to Chapter 7, Contacts. 

Note: Do not send enrollment forms to Fiscal Service. Fiscal Service does not process enrollment forms 

except for its own employees. 
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1-19 A Guide to Federal Government ACH Payments

Section 3 - To Be Completed by the Financial Institution

ENTER the... 

• financial institution’s name and address 

• financial institution’s routing number 

• depositor’s account title 

(this title must include the name of the person authorized to receive the payment) 

• financial institution representative’s name, signature, telephone number, and current date. 

What Actions Should Take Place Before Filing the FS Form 1199A?

This checklist can be used to verify that all information entered on the enrollment form is complete 

and accurate. 

ެ Name of person(s) entitled to payment* 

ެ Claim or payroll ID table* 

ެ Type of depositor account 

ެ Account number 

ެ Type of payment 

ެ Proper signatures 

ެ Federal agency name and address* 

ެ Name and address of financial institution 

ެ RTN and check digit 

ެ Depositor account title* 

Make sure it includes the name of the person authorized to receive the payment 

Note: Make sure the federal agency that authorizes the payment is entered, not the Fiscal Service. 

Note: Items marked with an asterisk (*) are where most errors occur. 

Important Information for New Direct Deposit Recipients

1. The financial institution should inform the recipient that they will continue to receive checks or 

deposits at their current payment address of record until the Direct Deposit enrollment is 

processed. 

2. The financial institution should inform the recipient on how to verify receipt of a Direct Deposit 

payment. 

3. The financial institution should inform the recipient to notify the federal agency of any address 

changes after Direct Deposit begins, since important information about the payment will be sent 

to the individual’s home address. 

4. The financial institution should inform the recipient that it is important to notify both the federal 

agency and the financial institution if the recipient or beneficiary dies or becomes legally 

incapacitated. (Legal Incapacity is defined as a legal declaration that an individual is unable to 

manage his/her affairs properly)
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A Guide to Federal Government ACH Payments 1-20

5. The financial institution should inform the recipient that if they change financial institutions, the 

old account should not be closed until Direct Deposit begins into the new account. Make sure the 

recipient understands that changing financial institutions requires filling out a new Direct 

Deposit enrollment. 

How Are Forms Distributed?

Government Agency Copy 

Delivered by the employee to the federal agency that authorizes the payment. 

Financial Institution Copy 

Held by the financial institution 

There is no official retention period for the FS Form 1199A. It is recommended that financial institutions 

retain this form at least until receipt of the first payment. 

Payee(s) Copy 

Held by the recipient. 

What to do if Direct Deposit does not begin

Follow these steps if Direct Deposit does not begin within the specified time period. 

1 Ask recipient if the enrollment authorization has been revoked. 

If yes, no further action is required. 

If no, and Direct Deposit is still desired, go to Step 2. 

2 Make a copy of the completed enrollment form from the financial institution’s file copy. 

Note: Verify that all the information on the form is correct. 

3 Send a copy of the form and a letter stating that the recipient still wants to receive Direct 

Deposit to the federal agency that authorizes the payment. 

4 Remind recipient(s) that checks will continue to be sent to their home address of record until 

Direct Deposit begins. 
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1-21 A Guide to Federal Government ACH Payments

FS Form 1199A Example

Example 1: 

Social Security 

Administration 

Single Payee
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-22

E: Federal Financial EDI (FEDI) Payments/Vendor Payments

Overview

Federal payments made using Financial Electronic Data Interchange (FEDI), the electronic transfer 

of funds and payment-related information. The federal government uses FEDI for payments it 

makes to businesses, which provide goods and services to federal agencies, and other payment 

recipients. 

Provisions of the Debt Collection Improvement Act of 1996 require that the majority of federal 

payments be made by Electronic Funds Transfer (EFT). These payments include corporate 

payments to companies providing goods or services to the federal government. This requirement 

impacts every federal government vendor regardless of the size of the company or the goods or 

services provided. 

The federal government currently uses the two Nacha corporate payment formats for vendor 

payments. These formats are: 

• CCD+ for single invoice payments. Contains one optional 80-character addenda record for 

transmitting the invoice information. 

• CTX for single or multiple payments. Allows for 9,999 optional addends records, each carrying 

80-characters, for the consolidation of multiple invoices in one payment. 

Delivery of Remittance (Addenda) Information

The Nacha Operating Rules & Guidelines address the delivery of remittance information contained 

in the addenda record. At the recipient’s request, financial institutions must provide the remittance 

information by the opening of business on the second banking day following the settlement date of 

the entry. This impacts all financial institutions processing ACH payments. The remittance 

information may be provided via a paper report, fax, e-mail, electronic transmission, or any other 

means negotiated between the recipient and the financial institution. 

To perform this key role, it is imperative that the financial institution work closely with its 

corporate customers who may have business relationships with the federal government. The 

following issues should be discussed with your corporate customers: 

x How to deliver the remittance information to the customer, 

x When to deliver the remittance information to the customer, 

x What specific information to provide to the customer, and 

x What fees, if any, are associated with this service. 

Enrollment

The ACH Vendor/Miscellaneous Payment Enrollment Form (SF 3881) is an optional three-part 

form that federal agencies may use to enroll their vendors in the FEDI program. Federal agencies 

will stock the form and provide the form to vendors to initiate the enrollment process. Federal 

agencies will discuss with the vendor the ACH payment format (CCD+ or CTX) to be used to 

transmit the payment. They will also work with the vendor to determine the remittance 

information (e.g., the invoice number, discount terms) to be included in the addenda record. 
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1-23 A Guide to Federal Government ACH Payments

The ACH Vendor/Miscellaneous Payment Enrollment Form (SF 3881) is available in Chapter 9, 

Forms. 

Enrollment Checklist

Use this checklist to assist the financial institution in enrolling a vendor in the FEDI program. 

ެ Verify that the ACH format selected in the Agency Information section on the SF 3881 can be 

accepted and processed by the financial institution Agree on HOW and WHEN remittance 

information (e.g., invoice number) provided by the federal agency in the addenda record 

will be passed to the vendor once it is received by the financial institution. 

Note: The agreement is reached by analyzing recipient requirements and comparing those 

requirements against the level of support the institution can provide. 

ެ Provide an example of how the addenda information will appear; or, 

Explain what type(s) of information to look for when the addenda information is received. 

Note: The vendor must be able to understand the information to properly identify the 

payment. 

ެ Complete the financial institution Information section of the SF 3881. 

How to Complete the SF 3881

Agency Information

The Agency Information section of the form is completed by the federal agency. 

Payee/Company Information

The Payee/Company Information of the form is completed by the vendor or the financial 

institution. 

Financial Institution Information

The Financial Institution Information section of the form can be completed by the financial 

institution as follows: 

• the name and address of the financial institution, 

• the name and telephone number of the ACH contact, 

• the RTN used to receive ACH payments, 

• the depositor account title, 

• the depositor account number, lockbox number (if applicable), 

• an “X” in the appropriate type of account box, and 

• the signature, title, and telephone number of the financial institution representative. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-24

Form Distribution

The vendor will return the original SF 3881 to the federal agency. The financial institution and 

the vendor each keep one copy of the form. 

Pointers for Completing the SF 3881 Form

Additional Pointers: 

x The federal agency initiates the SF 3881 form to enroll its vendors to receive payment by 

electronic funds transfer (EFT), 

x A vendor must complete a separate enrollment form (SF 3881) for each agency with which it 

does business, 

x In the Agency Information Section, the term “AGENCY IDENTIFIER” means the acronym by 

which the agency is known. For example, the “AGENCY IDENTIFIER” for the Bureau of the Fiscal 

Service is Fiscal Service, 

x In the Payee/Company Information Section, it should be noted that the “TAXPAYER ID NO.” may 

be used by the government to collect and report on any delinquent amounts arising out of the 

offeror’s relationship with the government (31 U.S.C. 7701(c)(3)), 

x The financial institution and the vendor should each keep a copy of the completed form, and 

x The vendor should return the completed SF 3881 to the agency that initiated the form. 

F: Enrollment Guidance

This section of the Green Book is a helpful tool for financial institutions who are trying to understand 

the differences between the Nacha Operating Rules and the rules specifically for federal government 

payments. Use this guidance in conjunction with the ACH Standard Entry Class Code ENR to enroll 

recipients of federal benefit payments for Direct Deposit. It can be used to for the following payments: 

Social Security; SSI; Veterans compensation and pension, education MGIB, education/selected reserve, 

life insurance and vocational rehabilitation and employment benefits; Civil Service retirement and 

survivor annuity; Railroad Retirement annuity and unemployment/sickness. 

The ACH Standard Entry Class Code ENR is an enrollment process that allows financial institutions 

to use the ACH to enroll beneficiaries for the receipt of future Direct Deposit payments. 

Enrollments received and accepted by the paying agency at least 10 business days prior to the 

customer’s next scheduled payment date will generally allow the recipient’s next month’s payment 

by Direct Deposit. 

The ENR Standard Entry Class is a non-monetary transaction. It must contain at least one 

addendum record and may contain as many as 9,999 addenda records. There are two conditions 

that must exist for multiple addenda to be included with one ENR. 

1. All Direct Deposit enrollments must be for the same federal agency benefit program. For 

example, enrollments for Veterans benefits cannot be combined with Social Security benefits. 

2. Third-party processors that transmit ENR entries on behalf of financial institutions must make a 

discrete batch transmission for each financial institution. Addenda records pertaining to one 

financial institution should not be included under the same ENR entry as addenda records 

pertaining to another financial institution’s Direct Deposit enrollments. 
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1-25 A Guide to Federal Government ACH Payments

An ENR should be used when the recipient is requesting to initiate Direct Deposit for their federal 

benefits. This may include but is not limited to a first-time sign-up for Direct Deposit, a change to 

an existing Direct Deposit enrollment, or a change to a new financial institution. It is not to be used 

in place of the Notification of Change (NOC) process to change the routing or account numbers for 

existing records. Financial institutions should remind customers of the importance of reporting 

address changes to the benefit program agency. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-26

Approved OMB No. 0960-0564 

Required Enrollment Information 

The following information is required for the enrollment of a recipient in Direct Deposit using the Standard Entry Class 

Code ENR. This information will be transmitted in the entry detail and the addenda record of an ENR transaction. This 

page may be duplicated and used for data collection. DO NOT mail this sheet to the agency. All information collected must 

refer to the individual who receives the federal benefit payment. 

Information obtained from the customer (payment recipient) for inclusion in the entry detail record.

Type of payment: 

(Social Security; SSI; Veterans compensation and pension, education MGIB, education/selected 

reserve, life insurance and vocational rehabilitation and employment benefits; Civil Service 

retirement and survivor annuity; Railroad Retirement annuity and unemployment/sickness) 

Information obtained from the customer regarding the payment recipient for inclusion in the Addenda record.

Benefit Recipient’s Social Security Number (SSN) SSN ___ ___ ___ ___ ___ ___ ___ ___ ___ 

(Do not include hyphens in the addenda record.) 

The recipient’s own SSN may or may not be the SSN on which the benefits are drawn. However, the individual recipient’s SSN will always 

be included on the addenda record. In cases such as minor children the SSN will always be the Child’s SSN and not that of the adult 

account holder named on the financial institution’s records. 

Benefit Recipient’s Name 

___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ ___ 

Last name (up to 15 positions) First Name (up to 7 positions) 

Last name: This is the recipient’s last name excluding any suffixes such as Jr., Sr. II, III, etc. If the last name is hyphenated, the fully 

hyphenated name up to 17 characters is submitted. 

If the last name is comprised of two or more ‘parts’, generally, the first part is sent as the last name (i.e. Mary Jane S Public Doe). The last 

name would be submitted as “PUBLIC” and the Doe would be excluded. 

First name: This is the recipient’s first name excluding any prefixes such as Dr., Mrs., Miss, etc. 

Middle initials are not submitted in this field. Middle initials are dropped. However, fully spelled out middle names are included as part of 

the first name (i.e. Mary J Doe would be submitted as Mary, whereas, Mary Jane Doe would be submitted as Mary Jane. 

The ‘parsed’ name will always be submitted exactly as the parsed section appears on the recipient’s benefit check. Therefore, incorrectly 

spelled or spaced items will be submitted as they appear on the check and not as they should be legally spelled. Example: Janie Ann Doe 

is trying to enroll; however, her check is printed Jane E A Doe. The enrollment would be submitted as “Jane” and “Doe”. 

Representative Payee indication NO (0)(Zero) Yes (1) 

(See section on Representative Payee, page 1-33.) 

Information obtained at the financial institution.

Depository Financial Institution routing number RTN Check Digit 

Depositor Account Number __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ __ 

(Up to 17 positions) 

Transaction Type: Checking (Type Code 22) Savings (Type Code 32) 

For questions about submitting 

ENRs for a specific benefit payment, 

please call the corresponding federal 

program agency: 

Federal Agency Telephone No.

Social Security Administration (for Social Security benefit 

or disability and SSI payments) (215) 597-1134 

Office of Personnel Management (Civil Service annuity) (202) 606-0540 

Railroad Retirement Board (RRB annuity) (312) 751-4704 

Department of Veterans Affairs (VA benefits) (918) 687-2532 
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1-27 A Guide to Federal Government ACH Payments

ENR (Automated Enrollment) Entry Detail Record

Field 1 2 3 4 5 6 7 8 9 10 11 12 13 

Data 

Element 

Name

Record Type 

Code 

Transaction 

Code 

Receiving DFI 

Identification Check Digit DFI Account Number Amount Identification Number

No. of 

Addenda 

Records 

Receiving 

Company 

Name/ID

Reserved Discretionary 

Data 

Field 

Incursion 

Requirement

M M M M R M O M R N/A O M M

Contents ‘6’ (numeric)* 

(TTTTAAAA) (numeric) (blanks)**

 

(all zeros) (blanks) (numeric) (alphanumeric) (blanks)** (blanks)** (numeric) (numeric) 

Length 1 2 8 1 17 10 15 4 16 2 2 1 15 

Position 01-01 02-03 04-11 12-12 13-29 30-39 40-54 55-58 59-74 76-76 77-78 79-79 80-94 

*For U.S. Government use either 23 or 33 in Field 2 ** leave blank for Alphanumeric fields 5, 7,10,11 

Program Payment Field 3

Receiving DFI Routing and 

Transit Number (RTN)

Field 4 Check 

Digit (9th

digit of 

DFI RTN)

Field 9

Receiving Company Name/ID

The following program payments are 

eligible for the enrollment service

Use the following DFI Identification 

number for the corresponding program 

payment

Use the following number for the 

corresponding program payment

Use the following codes for the 

corresponding program for which the 

recipient is enrolling for Direct Deposit

Social Security 65506004 2 SOCIALbSECURITYb

Supplemental Social Security 65506004 2 SUPPbSECURITYbbb

Veterans Compensation and Pension 11173699 1 VAbCOMP/PENSION

Veterans Education MGIB 11173699 1 VAbEDUCATNbMGIB

Veterans Education/Selected Reserve 11173699 1 VAbECUDbMGIB/SR

Veterans Life Insurance 11173699 1 VAbLIFEbINSUR

Veterans Vocational Rehabilitation 

and Employment Benefits

11173699 1 VAbVOCbREHABbEMP

Civil Service Retirement/Annuity 11173699 1 CIVILbSERVbCSAbb

Civil Service Survivor/Annuity 11173699 1 CIVILbSERVbCSFbb

Railroad Retirement Annuity 11173699(*) 1 (*) RAILROADbRETbBDb

Railroad Unemployment/Sickness 11173699(*) 1 (*) RAILROADbUISIbbb

Dependents Education Assistance 

Program

11173699 1 VAbDEPbEDUbASST

Reserve Education Assistance 

Program

11173699 1 VAbEDUCTNbREAP

Post 911 GI Bill 11173699 1 VAbEDUbPOSTb9/11

ENR Addenda Record

NOTE: In the codes, the letter “b” 

indicates a blank space

Field 1 2 3 4 5

Data Element 

Name

Record Type 

Code

Addenda Type 

Code Payment Related Information Addenda Sequence Number

Entry Detail 

Sequence Number

Field Inclusion 

Requirement M M R M M

Contents ‘7’ ‘05’ ‘22*12200004*3*123987654321*777777777*DOE*JOHN*0\’ (numeric) (numeric)

Length 1 2 80 4 7

Position 01-01 02-03 04-83 84-87 88-94

Field 3 - Payment Related Information

The following uses sample information to illustrate the required information to be included in the Addenda record to effect the ENR for Direct Deposit. The standard for submission 

of ENR records is for all alphabetic characters anywhere in the file to be submitted in UPPER CASE. Failure to do so may result in the submission to be returned by the paying 

agency. Refer to the next page for Return Reasons Codes.

22 = Checking 

Account

32 = Savings 

Account

* 12200004 3 123987654321 777777777 DOE JOHN 0= No Rep. Payee 

1= Rep. Payee

\

Contents Delimiter ‘05’ Check 

Digit

Receiver’s Acct. No. at 

the FinancialInstitution 

(up to 17 positions)

Receiver’s Own

Social Security 

No.

Receiver’s

Surname 

(up to 15)

Receiver’s 

First Name 

(up to 7)

Representative 

Payee Indicator

Terminator
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A Guide to Federal Government ACH Payments 1-28

Representative Payee

A representative payee is a person or institution that is legally entitled to receive payments on 

behalf of a beneficiary who has been deemed incapable of handling his/her financial affairs. When a 

representative payee is present, both names will appear on the benefit check. Minor children 

receiving federal benefits should always have a representative payee. Some examples of 

representative check payee styles are: 

Mary Smith for Jane R. Doe 

Harry D. Doe, Guardian for John Q. Public 

Admin Sunnyvale Nursing Home for Mary T. Resident 

Questions regarding the styling of representative payee names by a particular agency should be 

directed to that specific agency. 

In processing an enrollment, it is important for the processing financial institution and enrolling 

benefit agency to know that the enrollment originated from the proper authority. In cases where 

there is a representative payee, a “1” will be entered as the last data element in Field 3 of the 

addenda. In instances where there is no representative payee, a “0” (zero) will be entered into this 

position. 

The federal government requires that the title of accounts receiving direct deposit payments bear 

the name of the payment recipient. Accounts established for representative payee payments reflect 

fiduciary interest of the representative payee on behalf of the beneficiary. (Example of an account 

title: John Doe for Mary Smith.) This same regulation applies to institutional representative payees. 

The Department of Veterans Affairs and the Office of Personnel Management do not allow 

ENR enrollments for representative payees. 

Note: SSA’s Guide for Representative Payees is a helpful guide which covers account titling 

requirements for their representative payees. 

Return Reason Codes

A federal agency may return an ENR entry to the financial institution as unprocessable, one of the 

following codes will be indicated on the return: 

R40 Non-Participant in ENR Program 

The federal program agency is not a participant in the ENR automated enrollment program. 

R41 Invalid Transaction Code 

An incorrect or inappropriate transaction code is used in Field 3 of the Addenda record. 

R42 Routing Number/Check Digit Error 

The RTN and/or the Check Digit included in Field 3 of the Addenda record is incorrect. 

R43 Invalid DFI Account Number 

The receiver’s account number at the DFI is either missing, exceeds 17 positions, or contains invalid 

characters. 

R44 Invalid Individual ID Number 

The receiver’s SSN provided in Field 3 of the Addenda record does not match a corresponding SSN 

in the benefit agency’s records. 

R45 Invalid Individual Name 

The name of the receiver provided in Field 3 of the Addenda record either does not match a 
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1-29 A Guide to Federal Government ACH Payments

corresponding name in the benefit agency’s records or fails to include at least one alphanumeric 

character. 

R46 Invalid Representative Payee Indicator 

The representative payee indicator code included in Field 3 of the Addenda record has been 

omitted or it is not consistent with the benefit agency’s records. 

R47 Duplicate Enrollment 

The federal agency has received duplicate ENR entries from the same DFI. 

For more complete information concerning return reason codes and their interpretation, refer to 

the current Nacha Operating Rules & Guidelines. 

Note: At least one paying agency requires that any alphabetic data in an ENR record must be 

submitted in all UPPER CASE. Therefore, the de facto standard for submission of ENR records is for all 

alphabetic characters located anywhere in the file to be submitted in UPPER CASE. Failure to do so 

may result in the submission to be returned as an R44/R45 item even though all the information is 

correct. 

ENR Tips and Information Checklist

General Questions/Information:

1. Are you currently receiving Direct Deposit? 

x If yes, then an ENR should be used when the recipient is requesting to initiate direct deposit 

for their federal benefits. This may include but is not limited to a first-time sign-up for Direct 

Deposit, a change to an existing Direct Deposit enrollment, or a change to a new financial 

institution. 

x If no, do you have, or have you opened a checking or savings account? 

2. Is the federal benefit check in the customer’s name only? If no, determine whether there is a 

representative payee relationship or not. 

3. The benefit recipient or representative payee must be present in order to sign up for direct 

deposit. If by phone, the recipient or representative payee must be available to give permission. 

Benefit Recipient Information

4. Benefit recipient - the person who receives the federal benefit payment. 

5. Representative payee - the benefit comes in their name on behalf of someone else. 

6. “In C/O” - the benefit comes to the benefit recipient “in care of” someone else. This does not 

mean the person the check is “in care of” is the representative payee. The benefit recipient must 

be present to enroll. 

7. If the customer has Power of Attorney for the benefit recipient, he/she must go to the local office 

of the paying agency to sign up for direct deposit. If the benefit recipient is not present, the 

customer will need to take all legal documents with them to a regional office of the paying 

agency. The paying agency does not accept enrollments based solely on a Power of Attorney. 
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A Guide to Federal Government ACH Payments 1-30

8. If the customer is the guardian of the benefit recipient and his/her name is on the benefit check 

as guardian for the benefit recipient, then the financial institution would treat them as a 

representative payee. If his/her name is not on the benefit check, he/she must go to the local 

paying agency office with all legal documents. 

Information Needed for Direct Deposit Enrollment

The following information is needed to enroll Social Security benefits or disability payments, 

Supplemental Security Income payments, Railroad Retirement Board annuities, Veteran’s 

Compensation and Pension, and OPM Civil Service annuities for direct deposit through the U.S. 

Treasury Electronic Payment Solution Center: 

1. The SSN of the benefit recipient, 

2. The routing and account number of the checking or savings account, and 

3. The benefit recipient’s claim number or check number of the most recent federal benefit 

check received and the payment amount. 

The federal benefit check numbers are located in the top right-hand corner of the federal benefit 

check. The check numbers are 12 digits long (beginning with four digits, then a space, and eight 

more digits). All 12 numbers must be entered with no spaces and no dashes. 

The claim number must be entered with no spaces or dashes. All numbers and letters must be 

entered side by side. 

Helpful Numbers and Websites

1. For Social Security benefit or disability, SSI, VA, RRB annuity, and OPM civil service annuity 

enrollments please enroll through either: 

Go Direct web enrollment: www.GoDirect.gov

Or call the U.S. Treasury Electronic Payment Solution Center at 1-800-333-1795 

(English)/1-800-333-1792 (Spanish), 8:00 a.m. – 8:00 p.m. ET, Monday – Friday, excluding 

federal holidays. 

2. Department of Defense (DOD) or Black Lung payments cannot be set up through ENR. Contact 

Information: 

x Veterans Affairs benefits 1-800-827-1000 

x DOD www.dfas.mil

x Black Lung www.dol.gov/owcp/dcmwc
Green Book 1. Enrollment

1-31 A Guide to Federal Government ACH Payments

Federal Agency Addresses and Phone Numbers

Federal agency addresses and phone numbers are listed below, including the locations where 

completed FS Form 1199A should be delivered. If a telephone number is not listed and further 

assistance is needed, please contact the Fiscal Service. 

Note: As with any listing of this type, contact information will frequently change. Should you find outof-date information, please let us know by email at: payments@fiscal.treasury.gov. 

Air Force Active Duty/Reserves 

Recipient should deliver the completed FS Form 1199A to their payroll office. 

Questions: (303) 676-7213 

Air National Guard 

Recipient should deliver the completed FS Form 1199A to their payroll office. 

Retirement/Annuity 

DFAS-CL 

U.S. Military Retirement and Annuitant Pay 

1240 E. Ninth Street 

Cleveland, Ohio 44199-2055 

Retirement / Annuity: 1 (800) 321-1080 

Allotments: (216) 522-5553 

Army Active Duty/Reserves/National Guard 

Recipient must mail or deliver the completed FS Form 1199A to their payroll office. 

Questions: (317) 510-2800 

Retirement/Annuity 

DFAS-CL 

U.S. Military Retirement and Annuitant Pay 

1240 E. Ninth Street 

Cleveland, Ohio 44199-205 

Retirement / Annuity: 1 (800) 321-1080 

Fiscal Service Federal Housing Administration Debenture Payments 

Special Investments Branch 

Warehouse and Operations Center, Dock 1 

257 Bosley Industrial Park Drive 

Parkersburg, WV 26101 

Questions: (304) 480-5299 

Savings Bond Agent’s Fee Payments 

 Bureau of the Fiscal Service 

 Treasury Retail Securities Services

 P.O. Box 9150 

 Minneapolis, MN 55480-9150 

 (844) 284-2676 

Series H/HH Savings Bond Interest Payments 

Current Income Bond Branch 

Bureau of the Fiscal Service 

Warehouse and Operations Center, Dock 1 

257 Bosley Industrial Park Drive 

Parkersburg, WV 26101 

Questions: (304) 480-6112 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-32

 
Green Book 1. Enrollment

1-33 A Guide to Federal Government ACH Payments

Fiscal Service 

(continued) 

State and Local Government Payments 

State and Local Government Payments 

Bureau of the Fiscal Service 

Warehouse and Operations Center, Dock 1 

257 Bosley Industrial Park Drive 

Parkersburg, WV 26101 

Questions: (304) 480-5299 

Central 

Intelligence 

Agency 

Send completed forms to... 

Central Intelligence Agency 

Washington, DC 20505 

Attn: Compensation Division Office of Finance 

Coast Guard Active Duty/Reserves 

Mail or have the recipient deliver the completed FS Form 1199A form to their payroll office. 

Retirement 

Coast Guard (RPD) 

Commanding Officers USGC-PPC 

Pay and Personnel Office 

444 SE Quincy Street 

Topeka, KS 66683 

Department 

of Labor 

Black Lung 

Send all completed FS Form 1199As 

to ... 

Questions? 

Contact your district office below. 

U.S. Department of Labor 

ESA/OWCP/DCMWC 

select district office address below

Johnstown, PA 319 Washington Street, 2nd Floor (800) 347-3754 

Johnstown, PA 15901 (814) 533-4323 

Greensburg, PA 1225 S. Main Street, Suite 405 

Greensburg, PA 15601 

(800) 347-3753 

(724) 836-7230 

Wilkes-Barre, PA 100 N. Wilkes-Barre Blvd. 

Room 300 A 

(800) 347-3755 

(570) 826-6457 

Wilkes-Barre, PA 187002 

Charleston, WV Charleston Federal Center, Suite 110 

500 Quarrier Street 

(800) 347-3749 

(304) 347-7100 

Charleston, WV 25301 

Parkersburg, WV 425 Juliana Street, Suite 3116 (800) 347-3751 

Parkersburg, WV 26101 (304) 420-6385 

Pikeville, KY 164 Main Street, Suite 508 

Pikeville, KY 41501 

(800) 366-4599 

(606) 432-0116 

Mount Sterling, KY 402 Campbell Way 

Mount Sterling, KY 40353 

(800) 366-4628 

(859) 498-9700 

Columbus, OH 1160 Dublin Road, Suite 300 

Columbus, OH 43215 

(800) 347-3771 

(614) 469-5227 

Denver, CO 1999 Broadway, Suite 690 (800) 366-4612 

P.O. Box 46550 

Denver, CO 80201-6550 

(720) 264-3100 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-34

Department 

of Labor 

(continued) 

Unknown District U.S. Department of Labor 

Black Lung Program 

P.O. Box 37227 

Washington, DC 20013 

(800) 638-7072 

Department 

of Labor 

Division of Energy Employees Occupational Illness Compensation 

Send all completed FS Form U.S. Department of Labor 

1199As to ... Division of Energy Employees 

Occupational Illness Compensation 

Questions? P.O. Box 8306 

Contact (866) 888-3322 London, KY 40742-8306 

Department 

of Labor 

Federal Employee Workers’ Compensation 

Send all completed FS Form 

1199As to ... 

Questions? 

Contact (202) 693-0040 

U.S. Department of Labor 

Division of Federal Employees’ Compensation 

P.O. Box 8311 

London, KY 40742-8311 

Department 

of Labor 

Longshore and Harbor Workers’ Compensation 

Send all completed FS Form 

1199As to ... 

Questions? 

Contact (202) 693-0925 

U.S. Department of Labor 

ESA/OWCP/DLHWC 

Frances Perkins Building 

Room C4315 

200 Constitution Avenue, NW 

Washington, DC 20210 

Department 

of Veterans 

Affairs 

Mail the completed FS Form 1199A form to the office that maintains the veteran’s records: 

ALABAMA Alabama VA Regional Office 

345 Perry Hill Road 

Montgomery, AL 36104 

Questions: 1 (800) 827-1000 

COLORADO Denver VA Regional Office 

155 Van Gordon Street 

Lakewood, CO 80228 

ALASKA Anchorage VA Regional Office 

2925 DeBarr Road 

Anchorage, AK 99508-2989 

CONNECTICUT Hartford VA Regional Office 

450 Main Street 

Hartford, CT 06103 

ARIZONA Arizona VA Regional Office 

3225 N. Central Avenue 

Phoenix, AZ 85012 

DELAWARE Wilmington VA Regional Office 

1601 Kirkwood Highway 

Wilmington, DE 19805 

ARKANSAS North Little Rock VA Regional 

Office 

345 Perry Hill Road 

Montgomery, AL 36104 

DISTRICT OF 

COLUMBIA 

Washington DC VA Regional 

Office 

1120 Vermont Avenue, NW 

Washington, DC 20421 

CALIFORNIA Los Angeles VA Regional Office Federal 

Building 

1100 Wilshire Boulevard Los 

Angeles, CA 90024 

FLORIDA St. Petersburg VA Regional Office 

9500 Bay Pines Boulevard 

Bay Pines, FL 33708 

San Diego VA Regional Office 

8810 Rio San Diego Drive San 

Diego, CA 92018 

GEORGIA Atlanta VA Regional Office 

1700 Clairmont Road 

Decatur, GA 30033 

Oakland VA Regional Office 

Oakland Federal Building 1301 

Clay Street, Room 1300N Oakland, 

CA 94612 

HAWAII Honolulu VA Regional Office 

459 Patterson Road, E-Wing 

Honolulu, HI 96819-1522 
Green Book 1. Enrollment

1-35 A Guide to Federal Government ACH Payments

Department 

of Veterans 

Affairs 

(continued) 

IDAHO Boise VA Regional Office 

805 W. Franklin Street 

Boise, ID 83702 

MONTANA Fort Harrison Medical & 

Regional Center 

William Street off Highway 

Fort Harrison, MT 59636 

ILLINOIS Chicago VA Regional Office 

536 S. Clark Street 

Chicago, IL 60605-1523 

NEBRASKA Lincoln VA Regional Office 

5631 S. 48th Street 

Lincoln, NE 68516 

INDIANA Indianapolis VA Regional Off. 

75 NB. Pennsylvania Street 

Indianapolis, IN 46204 

Questions: (317) 226-7860 

NEVADA Reno VA Regional Office 

1201 Terminal Way 

Reno, NV 89520 

IOWA Des Moines VA Regional Office 

210 Walnut Street 

Des Moines, IA 50309 

NEW 

HAMPSHIRE 

Manchester VA Regional Office 

Norris Cotton Federal Building 

275 Chestnut Street 

Manchester, NH 03101 

KANSAS Wichita VA Regional Office 

5500 E. Kellogg 

Wichita, KS 67211 

NEW JERSEY New Jersey VA Regional Office 

20 Washington Place 

Newark, NJ 07102 

KENTUCKY Louisville VA Regional Office 

545 S. Third Street 

Louisville, KY 40202 

NEW MEXICO Albuquerque VA Regional Office 

Davis Chavez Federal Building 

500 Gold Avenue, SW 

Albuquerque, NM 87102 

LOUISIANA New Orleans VA Regional Office 

701 Loyola Avenue 

New Orleans, LA 70113 

NEW YORK Buffalo VA Regional Office 

Federal Building 

111 W. Hurron Street 

Buffalo, NY 14202 

MAINE Togus Center 

One VA Center 

Togus, ME 04330 

New York VA Regional Office 

245 W. Houston Street 

New York, NY 10014 

MARYLAND Baltimore VA Regional Office 

31 Hopkins Plaza 

Baltimore, MD 21201 

NORTH 

CAROLINA 

Winston-Salem VA Regional 

Office 

Federal Building 

251 N. Main Street 

Winston-Salem, NC 27155 

MASSACHUSETTS Boston VA Regional Office 

J.F. Kennedy Federal Building 

Government Center 

Boston, MA 02114 

NORTH DAKOTA Fargo VA Medical/Regional 

Office Center 

2101 Elm Street 

Fargo, ND 58102 

Questions: (701) 232-3421 

MICHIGAN Detroit VA Regional Office 

Patrick V. McNamara Federal 

Building 

477 Michigan Avenue 

Detroit, MI 48226 

OHIO Cleveland VA Regional Office 

Anthony J. Celebrezze 

Federal Building 

1240 E. Ninth Street 

Cleveland, OH 44119 

MINNESOTA St. Paul VA Regional Office 

One Federal Drive, Fort Snelling 

St. Paul, MN 55111-4050 

OKLAHOMA Muskogee VA Regional Office 

Federal Building 

125 S. Main Street 

Muskogee, OK 74401 

MISSISSIPPI Jackson VA Regional Office 

1600 E. Woodrow Wilson Ave. 

Jackson, MS 39216 

OREGON Portland VA Regional Office 

Federal Building 

1220 SW 3rd Avenue 

Portland, OR 97204 

Questions: (503) 326-2511 

MISSOURI St. Louis VA Regional Office 

Federal Building 

400 S. 18th Street 

St. Louis, MO 63103 

PENNSYLVANIA Philadelphia VA Center 

5000 Wissahickon Avenue 

Philadelphia, PA 19101 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-36

Department 

of Veterans 

Affairs 

(continued) 

Federal 

Salary 

The employee should mail or deliver the completed FS Form 1199A form to their payroll 

office. 

Marine Corps Active Duty/Reserves 

Director 

DFAS – Kansas City Center (AF-FA) 

Kansas City, MO 64197-0001 

Questions: (303) 676-7213 

Retirement/Annuity 

DFAS – CL 

U.S. Military Retirement and Annuitant Pay 

1240 E. Ninth Street 

Cleveland, OH 44199-2055 

Questions: 1 (800) 321-1080 

Navy Active Duty/Reserves 

Mail or have the recipient deliver the 

completed FS Form 1199A form to their 

payroll office. 

Questions: 1 (800) 255-0974 

Retirement/Annuity 

DFAS – CL 

U.S. Military Retirement and Annuitant Pay 

1240 E. Ninth Street 

Cleveland, OH 44199-2055 

Questions: 1 (800) 321-1080 

PENNSYLVANIA Pittsburgh VA Regional Office 

1000 Liberty Avenue 

Pittsburgh, PA 15222 

WEST VIRGINIA Huntington VA Regional Office 

640 Fourth Avenue 

Huntington, WV 25701 

RHODE ISLAND Providence VA Regional Office 

380 Westminster Mall 

Westminster, RI 02903 

WISCONSIN Milwaukee VA Regional Office 

5000 W. National Avenue 

Milwaukee, WI 53295 

SOUTH 

CAROLINA 

Columbia VA Regional Office 

1801 Assembly Street 

Columbia, SC 29201 

WYOMING Cheyenne VA Medical/Regional 

Center 

2360 E. Pershing Boulevard 

Cheyenne, WY 82001 

SOUTH 

DAKOTA 

Sioux Falls VA Center 

P.O. Box 5046 

2501 W. 22nd Street 

Sioux Falls, SD 57117 

GUAM Guam Vet Center 

222 Chanlan Santo Papast 

Reflection Center, Suite 102 

Agana, GU 96910 

Questions: (705) 475-7161 

TENNESSEE Nashville VA Regional Office 

110 9th Avenue, South 

Nashville, TN 37203 

PHILIPPINES Manila Regional Office 

1131 Roxas Boulevard, Ermita 

0930 Manila, PL 96440 

Questions: (011) (632) 528- 

2500 

TEXAS Houston VA Regional Office 

6900 Almeda Road 

Houston, TX 77030 

PUERTO RICO San Juan VA Center 

150 Carlos Chardon Avenue 

Hato Rey, PR 00918 

Waco VA Regional Office 

One Veterans Plaza 

701 Clay Avenue 

Waco, TX 76799 

VIRGINIA see District of Columbia 

UTAH Salt Lake City VA Regional Office 

550 Foothill Drive 

Salt Lake City, UT 84158 

VIRGIN ISLANDS St. Croix Vet Center 

Box 12, R.R. 02, 

Village Mail, #113Affairs 

Saint Croix, VI 00850 

Questions: 1 (809) 778-5553 

VERMONT White River Junction VA Medical 

& Regional Office Center 

215 N. Main Street 

White River Junction, VT 05009 

Saint Thomas Vet Center 

Buccaneer Mall 

Saint Thomas, VI 00801 

Questions: 1 (809) 774-6674 

WASHINGTON Seattle VA Regional Office 

Federal Building 

915 Second Avenue 

Seattle, WA 98174 

 
Green Book 1. Enrollment

1-37 A Guide to Federal Government ACH Payments

Office of 

Personnel 

Management 

(Civil Service 

Annuity) 

Send completed forms to . . . 

Questions: (202) 606-0500 

Office of Personnel Management 

Change-of-address Section-ROC 

Retirement and Insurance Group 

P.O. Box 440 

Boyers, PA 16017-0440 

Railroad 

Retirement 

Board 

Send completed forms to ... 

the local Railroad Retirement Board 

as listed in the telephone directory; 

or, 

Questions: 

(312) 751-4500 or (312) 751-4707 

If you cannot obtain the address of the local office, 

mail to: 

U.S. Railroad Retirement Board 

P.O. Box 10792 

844 N. Rush Street 

Chicago, IL 60611 

Attn: Direct Deposit Coordinator ORSP 

Social 

Security 

Administration 

Send completed forms to . . . 

x the local Social Security District Office, or 

x the address Social Security has specified to your financial institution. 

G: Termination of Enrollment

The ACH Enrollment authorization may be revoked by the recipient or, under certain 

circumstances, by the financial institution. If a recipient revokes his/her ACH enrollment, they must 

provide a new ACH enrollment in order ACH payments. 

Termination by the Recipient

The recipient may revoke the enrollment authorization at any time by notifying the federal agency, 

or by authorizing a new enrollment with another financial institution. 

Social Security or Supplemental Security Income recipients should call 1-800-SSA-1213 or write 

their local Social Security District Office to revoke the enrollment authorization. 

Railroad Retirement Board annuitants may either write or call the local Railroad Retirement Board 

Field Office to revoke the enrollment authorization. 

Series H/HH savings bond owners who are required to receive interest payments by Direct Deposit 

may revoke the enrollment authorization. However, this will result in suspension of payments. 

Payments will resume when the recipient authorizes a new enrollment. 

OPM Annuitants may either write the Office of Personnel Management, call 1-888-767-6738 to 

revoke the enrollment authorization, or visit www.opm.gov/retire to terminate and make changes 

on-line. 

The enrollment authorization will be terminated due to the recipient’s or beneficiary’s death or 

legal incapacity. 

Courtesy Notice

The recipient or beneficiary is not required to inform the financial institution if he/she revokes or 

transfers their enrollment authorization. As a courtesy, the recipient should be encouraged to 

inform the financial institution of any changes. 
1. Enrollment Green Book

A Guide to Federal Government ACH Payments 1-38

Termination by the Financial Institution

Financial institutions may close an account to which benefit payments are currently being sent 

thereby revoking the enrollment authorization by providing a 30-day written notice to the recipient 

prior to closing the account. In cases involving fraud, accounts may be closed immediately. The 

financial institution cannot revoke the enrollment authorization by notifying the federal agency and 

not the recipient. 

The 30-day written notice should remind the recipient to make other arrangements for the 

handling of their payments. The financial institution must credit to the recipient’s account any 

payments received during the 30-day notice period. The financial institution must also immediately 

return to the federal government all payments received after the 30-day notice period. A financial 

institution that closes an account without properly terminating the enrollment must make the 

funds available to the recipient until proper notice is provided. 

Recipient Notice to the Federal Agency

The recipient or beneficiary must immediately advise the federal agency if the enrollment 

authorization is revoked by the financial institution.