TD Bank routing numbers depend on which state you bank in
TD Bank does not have a single routing number for all customers. The routing number you need depends on the state where your account is held. TD Bank operates in the Northeast and Mid-Atlantic, and each state has its own routing number. If you use the wrong routing number, your transfer may be delayed or sent to the wrong account.
The most common TD Bank routing number is 011103093, which covers most TD Bank locations across multiple states including New York, New Jersey, Pennsylvania, Delaware, and Connecticut. However, you should verify the routing number for your specific state and account type before sending money.
Your own bank statement is the fastest place to find your routing number. Look at the bottom left corner of any check — the first nine digits are your routing number. You can also log into your TD Bank online account or call TD Bank customer service at 1-800-243-6000 to confirm the correct routing number for your account.
Key Takeaways
- TD Bank routing numbers vary by state, so you must use the number that matches where your account is located.
- The routing number 011103093 works for most TD Bank accounts in the Northeast and Mid-Atlantic region.
- Your routing number appears on the bottom left of any check you have from that account.
- If you use the wrong routing number, your transfer may be delayed or routed incorrectly, so verify before sending money.
Where to find your routing number on a TD Bank check
Every TD Bank check has your routing number printed on it. Look at the bottom left corner of the check. You will see nine digits in this order: routing number, account number, check number. The first nine digits are always your routing number.
If you do not have a check, you can find the routing number in your online banking portal. Log into TD Bank's website or mobile app, go to your account details or settings, and look for routing and transit information. The routing number will be listed alongside your account number.
TD Bank routing numbers by state
TD Bank operates in multiple states, and the routing number can vary. The table below shows the primary routing numbers by state, though some states may have more than one depending on when the branch was established or merged into TD Bank.
| State | Routing Number |
|---|---|
| Connecticut | 011103093 |
| Delaware | 011103093 |
| Florida | 067091719 |
| Maine | 011103093 |
| Maryland | 011103093 |
| Massachusetts | 011103093 |
| New Hampshire | 011103093 |
| New Jersey | 011103093 |
| New York | 011103093 |
| Pennsylvania | 011103093 |
| Rhode Island | 011103093 |
| Vermont | 011103093 |
If you are unsure which state your account is registered in, check your account opening documents or contact TD Bank directly. Using the wrong routing number for your state can cause delays in ACH transfers, wire transfers, or direct deposits.
When you need your routing number
You need your routing number whenever you set up a transfer from your TD Bank account to another bank. This includes direct deposit from your employer, automatic bill payments, peer-to-peer transfers, and wire transfers. The routing number tells the other bank's system where to pull the money from.
You also need your routing number if someone outside TD Bank is sending you money directly to your account. For example, if you are receiving a tax refund or a payment from a client, they will ask for your routing number and account number to complete the transfer.
Do not confuse your routing number with your account number. The routing number identifies your bank; the account number identifies your specific account within that bank. Both are required for most transfers.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer may be rejected outright, or it may be sent to a different bank or account. Some transfers will bounce back to the sender within one to three business days. Others may take longer to fail, especially if the routing number belongs to another real bank.
If money is sent to the wrong account by mistake, recovery can take weeks. The sending bank and the receiving bank must both investigate, and the receiving bank has no obligation to return funds sent to an incorrect account number. This is why verifying your routing number before sharing it is critical.
For direct deposits and recurring payments, using the wrong routing number means your paycheck or bill payment will not arrive on time. Contact your employer or the company sending the payment immediately if you realize you gave them the wrong number, and provide the correct routing number as soon as possible.
How to confirm your routing number with TD Bank
The safest way to confirm your routing number is to call TD Bank customer service at 1-800-243-6000. Have your account number ready, and a representative can tell you the exact routing number for your account. This takes less than five minutes and eliminates the risk of using an outdated or incorrect number.
You can also visit a TD Bank branch in person and ask a teller to write down your routing number. Bring your ID and account information. If you are setting up a transfer for the first time, the teller can walk you through the process and make sure you have the correct information.
Do not rely on routing numbers you find on third-party websites without verifying them against your own check or account statement first. While most published routing numbers are accurate, using your own documents as the source of truth is always safer.
Frequently Asked Questions
Is the routing number the same for all TD Bank accounts?
No. TD Bank routing numbers vary by state. If you have accounts in different states, each account may have a different routing number. Always verify the routing number for the specific account and state you are using.
Can I use 011103093 for any TD Bank account?
011103093 works for most TD Bank accounts in the Northeast and Mid-Atlantic states. However, if your account is in Florida or another state, you may need a different routing number. Check your check or call TD Bank to confirm.
What if I already sent money using the wrong routing number?
Contact the bank that sent the money immediately and explain the error. They can attempt to recall the transfer. If the money has already been deposited to the wrong account, both banks will need to investigate, and recovery can take several weeks.
Do I need a routing number to receive money at TD Bank?
Yes. Anyone sending you money directly to your TD Bank account will need your routing number and account number. Provide both pieces of information to ensure the transfer reaches your account.
Is my routing number the same as my transit number?
Yes. Routing number and transit number are the same thing. Both terms refer to the nine-digit code that identifies your bank and branch location.