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Glenn Hegar  ·  Texas Comptroller of Public Accounts

IAT and TINS IAT Indicator Tutorial

This tutorial:

  • Provides state agencies with an overview of International ACH Transactions (IATs)
  • Familiarizes users with the IAT Indicator field in the Texas Identification Number System (TINS)
  • Explains how the IAT Indicator is used

This information is helpful to state agency staff:

  • Responsible for creating and processing payments
  • Setting up or changing direct deposit information in TINS


What Is IAT and why is it important?

IAT stands for International ACH Transaction. IATs are Automated Clearing House (ACH) payments destined for a financial institution outside of the territory of the United States (U.S.).

Because of federal requirements mandated by the Office of Foreign Assets Control (OFAC), the National Automated Clearing House Association (NACHA) has adopted specific rules on the identification and processing of these types of direct deposit payments.

To comply with these federal requirements, all IAT transactions are identified by specific data elements. However, due to present system limitations, the Comptroller's office cannot issue international direct deposit payments.

To avoid potential federal penalties, each state agency must:

  • Be able to show due diligence in the processing of all their direct deposit payments.
  • Do their best to ensure direct deposit payments they issue to accounts at U.S. financial institutions are not ultimately being transferred to financial institutions outside of the U.S.

Next: State Agency Responsibility

Glenn Hegar
Texas Comptroller of Public Accounts
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