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 routing number you need depends on the state where your TD Bank branch is located. TD Bank operates in the Northeast and Mid-Atlantic regions, and each state has its own routing number. If you use the wrong routing number, your transfer or deposit may be delayed or sent to the wrong account.
The most common TD Bank routing number is 021000021, which covers most TD Bank locations in New York, New Jersey, Pennsylvania, Delaware, and Connecticut. However, if your branch is in Florida, Massachusetts, Maine, New Hampshire, or Rhode Island, you will need a different routing number. You can find the correct one by checking your checks, calling TD Bank directly, or looking it up on the TD Bank website.
Key Takeaways
- TD Bank's routing number varies by state, so you must confirm which state your branch is in before using it for transfers or deposits.
- The routing number 021000021 works for most TD Bank branches in the Northeast and Mid-Atlantic, but not all locations.
- Your personal checks have your routing number printed on them, making them the fastest way to find the correct one.
- Using the wrong routing number can delay your transaction, so verify it before sending money or setting up direct deposit.
Where to find your routing number on a check
The easiest way to find your TD Bank routing number is to look at the bottom left corner of one of your checks. The first nine digits printed there are your routing number. This number is specific to your branch location, so it will be correct for any transaction you make.
If you do not have checks or cannot find them, you can contact TD Bank by phone or visit a branch in person. A TD Bank representative can tell you the routing number for your specific branch within a few minutes. You can also log into your TD Bank online account or mobile app, where the routing number may be listed under account details or transfer settings.
Common TD Bank routing numbers by state
| State | Routing Number |
|---|---|
| New York, New Jersey, Pennsylvania, Delaware, Connecticut | 021000021 |
| Florida | 063103515 |
| Massachusetts, Maine, New Hampshire, Rhode Island | 011000015 |
These are the primary routing numbers for TD Bank by region. If your branch is in one of these states and you are unsure which number to use, start with the one listed for your state.
If a transaction fails or is delayed, contact TD Bank to confirm you have the correct routing number for your specific branch location. Some branches within the same state may use different routing numbers, so verification with the bank is the safest approach before sending money.
When you need your routing number
You need your routing number when you set up direct deposit with your employer or government agency. Your employer uses the routing number along with your account number to send your paycheck directly to your TD Bank account. Without the correct routing number, your deposit may go to the wrong bank or account.
You also need your routing number when you transfer money between banks, pay bills through a third-party service, or receive wire transfers. Some online payment services ask for your routing number to verify that your bank account is real and that you own it. Always double-check the routing number before confirming any transaction, because correcting a mistake can take several business days.
The difference between routing number and account number
Your routing number identifies which bank and branch holds your account. Your account number identifies your specific account within that bank. Together, they tell the sending bank exactly where to send your money. If you give someone only your account number without the routing number, they will not know which TD Bank branch to send it to.
When you write a check, both numbers appear at the bottom. The routing number comes first (nine digits), followed by your account number (usually ten to twelve digits). For online transfers and direct deposit, you will enter them in separate fields. Never share your account number or routing number with anyone you do not trust, because someone with both pieces of information can potentially access your account.
What to do if a transfer fails because of the routing number
If a transfer or deposit fails and you suspect the routing number was wrong, contact TD Bank when ready. Explain which transaction failed, when you sent it, and how much money was involved. TD Bank can trace the transaction and may be able to recover the money or redirect it to the correct account.
If the money was sent to another bank by mistake, that bank will hold it temporarily. TD Bank can work with the other bank to return the funds to you, but this process usually takes five to ten business days. To avoid this delay, always confirm your routing number with TD Bank before setting up a new transfer or direct deposit, especially if you have recently moved or changed branches.
Frequently Asked Questions
Is the routing number the same for all TD Bank customers?
No. TD Bank routing numbers vary by state and sometimes by branch. The most common number is 021000021, but if your branch is in Florida or New England, you need a different one. Check your checks or contact TD Bank to confirm the correct number for your location.
Can I use 021000021 for any TD Bank transfer?
Only if your branch is in New York, New Jersey, Pennsylvania, Delaware, or Connecticut. If your branch is elsewhere, using this number will cause your transaction to fail or be delayed. Verify your state's routing number before you transfer money.
What happens if I use the wrong routing number?
Your transfer or deposit may be rejected, delayed, or sent to the wrong account. If money goes to another bank by mistake, recovery usually takes five to ten business days. Always confirm the routing number before sending money to avoid this problem.
Where do I find my routing number if I bank online only?
Log into your TD Bank online account or mobile app and look for account details or transfer settings. You can also call TD Bank customer service with your account information, and they will provide your routing number when ready.