As more countries meet the requirements of the Federal Reserve Bank and become eligible, the list of eligible countries will be updated.

IDD is Safe and Secure

IDD is much more secure than receiving your benefit by check. Mailed checks can be subject to loss, misrouting or even theft. Funds transferred through IDD are sent encrypted and arrive safely at your bank.

IDD and Currency

IDD puts your money directly into your local bank in local currency. If you reside in Canada and have a U.S. dollar account, you may elect to receive your payment electronically in U.S. dollars.

Note: This option is only available in Canada.

Enrollment in IDD

To sign up for International Direct Deposit, complete the enrollment form (OF 1199-I )and mail to:

U.S. Railroad Retirement Board
Direct Deposit Specialist
844 North Rush Street
Chicago, IL 60611

Make sure the form is completed accurately and signed. If your form is received and processed before the 15th of the month, your benefit payment will be sent to the new account beginning with the next month’s payment.

If you currently have your benefit sent to a stateside financial institution, do NOT close that account until you have verified receipt at the new local bank. Otherwise, your benefit could be returned to the RRB, causing a delay.

With IDD, your money is deposited on the day you are scheduled to receive your benefit. For example, if your benefit is scheduled to be received on the third of the month, your money is available to you at the opening of the business day on the third. You can check with your bank to be sure that your money has been deposited.

If your IDD benefit is not in your account within the first three business days of the month, please call the Railroad Retirement Board at (877) 772-5772 to speak with a representative or, you may contact your servicing U.S. Embassy to report non-receipt. The U.S. Embassy will notify the RRB.