TD Bank routing numbers depend on which state you bank in
TD Bank does not use a single routing number across all accounts. The routing number you need depends on the state where your branch is located. If you opened your account at a TD Bank branch in New York, your routing number is different from someone who banks in Pennsylvania or Massachusetts. You can find your specific routing number on the bottom left of your checks, in your online banking portal, or by calling TD Bank customer service at 1-800-937-8372.
The routing number is a nine-digit code that tells the banking system which financial institution should receive your money when someone sends you a payment via ACH transfer, wire transfer, or direct deposit. It works alongside your account number to direct funds to the correct place. If you use the wrong routing number, your payment may be delayed, sent to the wrong account, or rejected entirely.
Key Takeaways
- TD Bank routing numbers vary by state, so you must confirm which state your branch is in before using the number for a transfer.
- Your routing number appears on the bottom left corner of your checks, in the first set of nine digits before your account number.
- You can find your routing number by logging into TD Bank online banking, calling customer service, or visiting your local branch.
- Using an incorrect routing number can delay or misdirect a payment, so verify the number before submitting it for direct deposit or bill payments.
Where to find your routing number on a check
The easiest way to locate your routing number is to look at a check from your TD Bank account. At the bottom left of the check, you will see a series of numbers. The first nine digits are your routing number. The next set of digits is your account number. This layout is standard across all U.S. banks, so if you have a check handy, you can read it directly without making a phone call.
If you do not have checks or prefer not to use them, you can skip this step and use one of the other methods below. But if you do have a check available, this is the fastest way to confirm your number.
How to find it through TD Bank online banking
Log into your TD Bank online account and navigate to your account details or account information section. The routing number is usually listed alongside your account number. The exact location varies slightly depending on whether you are using the desktop website or the mobile app, but it is typically found under "Account Details," "Account Information," or "Routing and Account Numbers."
If you cannot locate it in those sections, look for a link labeled "Wire Instructions" or "Direct Deposit Information." These pages often display your routing number prominently because they are designed for situations where you need to share banking details with employers or other institutions.
Calling TD Bank customer service for your routing number
You can call TD Bank at 1-800-937-8372 and speak with a representative who will confirm your routing number over the phone. Have your account number and a form of identification ready when you call. The representative will verify your identity before sharing your routing number, which is a security measure to prevent unauthorized access to your account information.
Customer service is available during business hours, typically Monday through Friday. If you call outside those hours, you may reach an automated system that can direct you to other resources or allow you to leave a message for a callback.
TD Bank routing numbers by state
TD Bank operates in multiple states, and each state has its own routing number. The most commonly used routing numbers are 021000021 for New York and New Jersey, 031000503 for Pennsylvania and Delaware, and 011500120 for Massachusetts and Rhode Island. However, these are examples, and your specific routing number depends on where your account was opened and which branch you use.
If you moved to a different state after opening your account, your routing number does not change unless you close your old account and open a new one at a branch in your new state. Your original routing number remains tied to your account regardless of where you live now.
| State(s) | Common Routing Number |
|---|---|
| New York, New Jersey | 021000021 |
| Pennsylvania, Delaware | 031000503 |
| Massachusetts, Rhode Island | 011500120 |
| Connecticut | 011103093 |
| Maine, New Hampshire, Vermont | 011500120 |
This table shows the most common routing numbers by region, but you should always verify your specific routing number through one of the methods above rather than assuming it based on your state alone. Some accounts may use different routing numbers depending on when they were opened or which branch processed them.
What happens if you use the wrong routing number
If you provide an incorrect routing number for a direct deposit or ACH transfer, the payment may be rejected by the receiving bank, delayed by several days while the system attempts to locate the correct destination, or sent to an entirely different account. The sender may not know immediately that something went wrong, which means you could miss a paycheck or bill payment without realizing it.
If you discover you used the wrong routing number, contact TD Bank customer service right away. They can help you trace the payment and work with the sending institution to redirect it to your correct account. The process can take several business days, so it is worth verifying your routing number before submitting it the first time.
Frequently Asked Questions
Do I need a different routing number if I have multiple accounts at TD Bank?
No. All your accounts at TD Bank use the same routing number, which is based on the state where your primary branch is located. The routing number stays the same; only your account number changes from one account to another.
Can I use any TD Bank routing number, or does it have to match my branch?
You must use the routing number that corresponds to the state where your account is registered, not necessarily where you physically visit. If your account was opened in New York, you use the New York routing number even if you now live in Pennsylvania and visit a Pennsylvania branch.
What if I have an old check with a different routing number?
If your check is very old, it may show a routing number from a bank that TD Bank acquired. TD Bank has merged with several regional banks over the years. Call customer service to confirm your current routing number rather than using an outdated check.
Is the routing number the same for wire transfers and ACH transfers?
Yes. The routing number is the same regardless of the type of transfer. Whether you are setting up direct deposit, sending an ACH payment, or initiating a wire transfer, you use the same nine-digit routing number for your account.