Your TD Bank routing number is a nine-digit code that tells other banks where to send money when you receive a transfer or direct deposit
Every bank in the United States has its own routing number. When someone sends you money through an ACH transfer (the system banks use for direct deposits, bill payments, and person-to-person transfers), they need two pieces of information: your account number and your routing number. The routing number is like a postal code for your bank — it directs the money to the right institution so it lands in your account, not someone else's.
TD Bank's routing numbers vary by state and by the type of account you hold. This means you cannot use the same routing number for every TD Bank location or account type. Using the wrong one will not send your money to the wrong person, but it may delay the transfer while the sending bank figures out where it actually belongs.
Key Takeaways
- Your TD Bank routing number is a nine-digit code specific to your state and account type, not a single number for all TD Bank customers.
- You can find your routing number on the bottom left of your checks, in your online banking portal under account details, or by calling TD Bank customer service.
- Direct deposits, bill payments, and wire transfers all require your routing number, so you will need it multiple times.
- Using an incorrect routing number will not lose your money, but it may delay the transfer by one to three business days while it is rerouted.
Where to find your TD Bank routing number
The fastest way is to look at a check from your TD Bank account. The routing number is the first nine digits printed at the bottom left of the check, before your account number. If you do not have checks or prefer not to use them, log into your TD Bank online banking account and go to the account details or account information section — most banks display the routing number there alongside your account number.
You can also call TD Bank customer service at 1-800-937-2000 and provide your account number. A representative will give you the correct routing number for your specific account. This is the safest option if you are unsure which routing number applies to you, because the representative can confirm your state and account type before giving you the number.
Why you need your routing number
Direct deposits are the most common reason you will need your routing number. When you start a new job or set up direct deposit with a government agency (like Social Security or a tax refund), you will be asked for your routing number and account number so the money goes to the right place.
Bill payments also require your routing number if you set up automatic payments from your bank account. When you pay a utility company, credit card, or loan directly from your checking account, that company needs to know which bank to pull the money from. Peer-to-peer payment apps and wire transfers work the same way — they need your routing number to find your bank and your account number to find you within that bank.
What happens if you use the wrong routing number
The money will not disappear or go to the wrong person. Banks have systems in place to catch mismatched routing numbers. If you give someone an incorrect routing number, the sending bank will either reject the transfer outright or send it to the wrong bank, which will then reject it and send it back to the sender.
This process usually takes one to three business days. The sender will see the transfer fail and can then resubmit it with the correct routing number. To avoid this delay, double-check your routing number before you give it out, especially for direct deposits or recurring bill payments where a mistake could affect multiple transfers.
TD Bank routing numbers by state
TD Bank operates in multiple states, and each state has its own routing number. The most common routing numbers are 011103093 (for many northeastern states), 021200025 (for Florida and some other southeastern locations), and 031201360 (for some mid-Atlantic locations). However, these are examples only — your specific routing number depends on where your account is held and what type of account you have.
Do not assume your routing number based on your state alone. Always verify it through your checks, your online banking portal, or by calling customer service. Using a routing number that belongs to a different TD Bank state or account type can cause delays.
Routing number versus account number
These two numbers serve different purposes and are often confused. Your routing number identifies your bank — it tells the sending bank which institution to send money to. Your account number identifies you within that bank — it tells TD Bank which of its customers should receive the money. Together, they form the complete address for your account.
When you set up a direct deposit or bill payment, you will be asked for both. The routing number goes in one field and the account number in another. If you mix them up, the transfer will fail. Your account number is usually 10 to 12 digits and appears on your checks to the right of the routing number.
Frequently Asked Questions
Is my routing number the same for checking and savings accounts?
Not always. Some TD Bank branches use the same routing number for both account types, but others do not. Check your account statements or call customer service to confirm which routing number applies to each account you hold. Using the wrong one for your savings account could cause a transfer to fail.
Can I use someone else's routing number if they bank at TD Bank?
No. You must use the routing number for the specific branch or account where your money will land. Using another person's routing number will send the transfer to their bank location, not yours, and it will be rejected or rerouted, causing a delay.
Do I need my routing number to receive a wire transfer?
Yes. Wire transfers require both your routing number and account number. Some wire transfers also ask for your bank's full name and address, so have that information ready when you provide your routing number to the sender.
What if I cannot find my routing number on my checks?
Log into your TD Bank online banking account and look for account details or account information. If you do not have online access, call TD Bank at 1-800-937-2000 with your account number and they will provide it when ready.
Does my routing number change if I move to a different state?
It depends on whether you move your account or keep it with the same TD Bank branch. If you keep your account open at the same branch, your routing number stays the same. If you close that account and open a new one at a TD Bank branch in a different state, your new account will have a different routing number.