TD Bank's routing number depends on which state your account is in
TD Bank does not have a single routing number for the entire bank. Instead, the number changes based on the state where your branch is located. If you have an account at a TD Bank branch in New York, your routing number will be different from someone with an account in Florida or Pennsylvania.
The most common TD Bank routing numbers are 021000021 for the Northeast region (New York, New Jersey, Pennsylvania, Delaware, and Connecticut) and 031201360 for the Mid-Atlantic and Southeast regions (Maryland, Virginia, Washington D.C., and Florida). However, if your branch is in a different state or if you opened your account through a different TD Bank entity, your routing number could be different.
You need the correct routing number for your specific branch location, not just any TD Bank number. Using the wrong one can delay transfers or cause them to fail entirely.
Key Takeaways
- TD Bank routing numbers vary by state, so you must find the number for the state where your branch is located, not just any TD Bank number.
- The Northeast routing number (021000021) covers New York, New Jersey, Pennsylvania, Delaware, and Connecticut.
- The Mid-Atlantic and Southeast routing number (031201360) covers Maryland, Virginia, Washington D.C., and Florida.
- You can find your specific routing number on the bottom left of your checks, through your TD Bank online account, or by calling customer service.
Where to find your routing number on a check
The fastest way to find your routing number is to look at a physical check from your TD Bank account. On the bottom left corner of any check, you will see nine digits printed in a specific order. The first nine digits are your routing number. The next set of digits is your account number, and the final digits are the check number.
If you do not have checks or cannot locate them, this method will not work for you. But if you have even one check available, this is the quickest answer without logging in or calling anyone.
Finding your routing number through TD Bank online or mobile app
Log into your TD Bank online account or open the TD Bank mobile app 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 website or the app, but both display this information in the account details area.
If you cannot find it in the obvious places, look for a section labeled "Account Information," "Account Details," or "Transfer Information." Some users find it faster to search within the app using the search function and typing "routing number."
Calling TD Bank customer service for your routing number
You can call TD Bank customer service at 1-800-937-8372 and ask for your routing number. Have your account number or the phone number associated with your account ready when you call. A representative will confirm your identity and provide the correct routing number for your branch.
Wait times vary depending on the time of day and day of the week. Calling during off-peak hours (early morning or late evening on weekdays) typically means shorter waits than calling during lunch hours or on weekends.
Why your routing number matters for transfers and direct deposits
Banks use routing numbers to identify which financial institution should receive money during electronic transfers. When you set up a direct deposit for your paycheck or transfer money between banks, the routing number tells the sending bank exactly where to send the funds. Without the correct routing number, the transfer can be rejected, delayed, or sent to the wrong account.
This is especially important if you are setting up direct deposit with a new employer or transferring money from another bank. A single digit wrong in the routing number can cause the entire transaction to fail. Always double-check the number before confirming any transfer.
The difference between routing number and account number
Your routing number identifies your bank and branch location. Your account number identifies your specific account within that bank. You need both pieces of information to complete most transfers, but they serve different purposes. The routing number is the same for all customers at your branch, while your account number is unique to you.
When someone asks for your "banking information" to send you money, they typically need both your routing number and your account number. Never share your account number with someone you do not trust, but the routing number is not sensitive information — it is public and tied to your bank, not to your personal finances.
What to do if you cannot find your routing number
If you have tried checking your checks, logging into your account, and calling customer service without success, contact your local TD Bank branch directly. A teller can look up your routing number in seconds and write it down for you. You can also visit the TD Bank website and use their branch locator to find the phone number for your nearest branch.
In rare cases, if your account was recently opened or transferred between branches, there may be a delay in the system updating your routing number information. Calling customer service again or visiting your branch in person will resolve this.
Frequently Asked Questions
Can I use any TD Bank routing number, or does it have to be for my specific branch?
You must use the routing number for the state where your account is held. Using a different TD Bank routing number from another state will cause the transfer to fail or be rejected. Always verify you have the correct number for your branch location before sending money.
Is my routing number the same as my branch code?
No. Your routing number is a nine-digit code that identifies your bank and state. Your branch code is different and is used for internal bank purposes. For transfers and direct deposits, you always need the routing number, not the branch code.
Do I need my routing number to transfer money between my own TD Bank accounts?
Not always. If you are transferring money between two accounts you own at the same TD Bank branch, you can usually do this through your online account without entering a routing number. However, if the accounts are at different branches or different states, you will need the routing number for the receiving account.
What happens if I use the wrong routing number?
The transfer will typically be rejected by the receiving bank, and the money will be returned to your account within one to three business days. In some cases, the money may be sent to a different account at TD Bank, which requires contacting customer service to recover it. Always verify the routing number before confirming any transfer.
Is the routing number on my TD Bank debit card?
No. Your debit card does not display your routing number. You can only find it on your checks, through your online account, or by calling customer service. The numbers on your debit card are your card number and expiration date, not your routing number.