TD Bank's routing number depends on which state you bank in
TD Bank does not have a single routing number for all customers. The number you need depends on the state where your account is held. TD Bank operates across the Northeast and Mid-Atlantic, and each state has its own routing number. If you use the wrong routing number, a transfer may be delayed or sent to the wrong account.
The most common TD Bank routing numbers are 011103093 for New Jersey and New York, and 031201360 for Pennsylvania, Delaware, and Connecticut. However, TD Bank also uses other routing numbers for Florida, Maine, Massachusetts, New Hampshire, and Rhode Island. You can find your specific routing number by checking your checks, logging into your online banking account, or calling TD Bank directly.
Key Takeaways
- TD Bank routing numbers vary by state, so you must know which state your account is registered in before you use one.
- Your routing number appears in the bottom left corner of your checks, printed as a nine-digit code.
- You can find your routing number through TD Bank's website, your online banking login, or by calling customer service at 1-800-937-8372.
- Using the wrong routing number can delay wire transfers, direct deposits, or bill payments by several business days.
How to find your routing number on a check
The easiest way to locate your TD Bank routing number is to look at a check from your account. At the bottom left of the check, you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number. This number identifies TD Bank and the specific branch or region where your account is held.
If you do not have checks available, you can use other methods instead. Many people keep old checks in a file or drawer, or you can order new checks from TD Bank if you need them for other reasons. However, ordering checks takes time, so online lookup is usually faster if you need the number right away.
Finding your routing number online or by phone
Log into your TD Bank online banking account and look for account details or account information. Most banks display the routing number alongside your account number in this section. The exact location varies depending on whether you use TD Bank's website or mobile app, but it is typically under a tab labeled "Account Details," "Account Information," or "Routing and Account Numbers."
If you do not have online banking set up or prefer to speak with someone, call TD Bank customer service at 1-800-937-8372. A representative can confirm your routing number over the phone and answer questions about wire transfers or direct deposits. Have your account number ready when you call, as the representative will ask for it to verify your identity.
Common TD Bank routing numbers by state
| State | Routing Number |
|---|---|
| New Jersey, New York | 011103093 |
| Pennsylvania, Delaware, Connecticut | 031201360 |
| Florida | 067000039 |
| Maine, New Hampshire, Vermont | 011500120 |
| Massachusetts, Rhode Island | 011103093 |
This table covers the most frequently used TD Bank routing numbers. If your state is not listed or you are unsure which routing number applies to your account, contact TD Bank directly. Using the wrong routing number for your state can cause delays in processing transfers or deposits, so it is worth taking the time to confirm the correct one before you send money.
What happens if you use the wrong routing number
If you provide an incorrect routing number for a wire transfer or direct deposit, the transaction may be delayed by one to three business days while the bank tries to locate the correct destination. In some cases, the transfer may be rejected entirely and returned to the sender. The sender then has to resubmit the transaction with the correct routing number, which adds another delay.
For bill payments set up through your TD Bank account, using the wrong routing number can cause the payment to fail or post to the wrong account. This is less common because bill payment systems often verify routing numbers before processing, but it is still possible. Always double-check the routing number before confirming a large transfer or setting up a recurring payment.
When you need your routing number
You need your TD Bank routing number whenever you set up a direct deposit, arrange a wire transfer, or authorize an automatic bill payment from your account. Employers ask for it to deposit your paycheck. Insurance companies, utilities, and loan servicers ask for it when you want to pay them directly from your bank account. If you are receiving money from someone else's bank account, you may also need to provide your routing number and account number together.
Some online payment services and peer-to-peer money transfer apps also ask for your routing number to connect to your bank account. Before you share this information, make sure you are using a secure website or official app. Your routing number is not sensitive information on its own — it is public and tied to the bank, not to you personally — but you should still be cautious about where you enter it.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number identifies TD Bank and your region; your account number identifies your specific account within that bank. Both appear at the bottom of your checks, but they are separate nine-digit codes. You typically need both when setting up direct deposits or wire transfers.
Can I use the same routing number for all my TD Bank accounts?
Yes, if all your accounts are in the same state. The routing number is tied to your location and bank, not to individual accounts. If you have accounts in different states, each account may have a different routing number based on where it is registered.
What if I bank with TD Bank in multiple states?
Use the routing number for the state where each specific account is held. If you have a checking account in New York and a savings account in Pennsylvania, the New York account uses 011103093 and the Pennsylvania account uses 031201360. Always match the routing number to the account you are using.
Do I need my routing number to transfer money between my own TD Bank accounts?
Not always. If you are transferring money between your own accounts through TD Bank's online banking or mobile app, the system handles the routing automatically. You only need the routing number when transferring to or from accounts at other banks.
How long does a transfer take if I use the correct routing number?
Domestic wire transfers typically process the same business day if submitted before the bank's cutoff time, usually 2 p.m. ACH transfers (like direct deposits) take one to three business days. The routing number itself does not affect speed; the transfer method does.