What a TD Bank routing number is and where to use it
A routing number is a nine-digit code that tells the banking system which bank holds your account. TD Bank's routing number identifies TD Bank to other banks and payment processors when money moves into or out of your account. You need it whenever you set up direct deposit, arrange a wire transfer, or authorize an automatic payment from your TD account.
The routing number is not secret — it appears on the bottom left of every TD Bank check, and the bank publishes it publicly. It is the same for all customers at a given TD Bank branch location, so multiple people can share the same routing number without any security risk.
TD Bank operates in multiple states, and the routing number varies by the state where your account is held. A TD Bank account opened in New York has a different routing number than one opened in New Jersey or Pennsylvania, even though both are TD Bank accounts.
Key Takeaways
- TD Bank routing numbers are nine digits and vary by the state where your account is located, not by account type.
- You can find your routing number on a check, by calling TD Bank customer service, or by logging into your online account.
- The routing number is the same for all customers at a TD Bank branch in the same state, so it is safe to share.
- Wire transfers, direct deposit setup, and automatic bill payments all require your routing number plus your account number.
How 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 a check, you have three other options.
Call TD Bank customer service at 1-800-897-6000 and tell them you need your routing number. They will confirm your identity and read it to you. You can also log into TD Bank's online banking portal, go to your account details or settings, and find the routing number listed there. Some accounts show it under "Bank Information" or "Account Details."
TD Bank also publishes routing numbers on its website organized by state. If you know which state your account is in, you can search TD Bank's routing number lookup tool directly.
TD Bank routing numbers by state
TD Bank operates in the Northeast and Mid-Atlantic, and each state has its own routing number. The routing number depends on where you opened the account or where your branch is located, not where you live now.
| State | Routing Number |
|---|---|
| Connecticut | 011103093 |
| Delaware | 031207607 |
| Florida | 067091719 |
| Maine | 011103093 |
| Maryland | 031207607 |
| Massachusetts | 011103093 |
| New Hampshire | 011103093 |
| New Jersey | 021200025 |
| New York | 021200025 |
| Pennsylvania | 031207607 |
| Rhode Island | 011103093 |
| Vermont | 011103093 |
| Virginia | 031207607 |
If you are unsure which state your account belongs to, check your account statements or the address listed on your account. The state where you opened the account is what matters, not your current location.
When you need your routing number and account number together
Your routing number alone does not let anyone access your account — you also need your account number, which is unique to you. Together, these two numbers form your bank details, and you will need both for most money movements.
Direct deposit from an employer or government agency requires both numbers so the payer knows which bank to send money to and which account within that bank to deposit it into. Wire transfers work the same way: the sending bank uses the routing number to find TD Bank, then uses the account number to find your specific account. Automatic bill payments and recurring transfers also require both.
Never share your account number with someone you do not trust, even though the routing number is public. The combination of routing number and account number is what matters.
What happens if you use the wrong routing number
If you provide the wrong routing number, the payment will either be rejected or sent to the wrong bank. If it goes to the wrong bank, that bank will usually reject it and send it back to the sender, which delays the payment by several days.
If you are setting up direct deposit and use the wrong routing number, your paycheck will not arrive on payday. Your employer will have to resubmit the direct deposit request with the correct routing number, which typically takes one to two pay periods to take effect.
For wire transfers, a wrong routing number usually causes the wire to fail before it leaves TD Bank. The sending bank will contact you to confirm the correct number. Always double-check the routing number before submitting a wire transfer, because some wire transfers cannot be reversed once they leave the sending bank.
Routing number versus SWIFT code and other identifiers
A routing number works only for payments within the United States. If you are receiving money from outside the U.S., you will need a SWIFT code instead, which is an international bank identifier. TD Bank's SWIFT code is NWABUS33, and it is the same regardless of which state your account is in.
You may also hear about an ABA number, which is another name for a routing number. ABA stands for American Bankers Association, the organization that assigns routing numbers. The terms are interchangeable.
Some forms ask for a "bank code" or "transit number." In the U.S., these refer to the routing number. In Canada or other countries, these terms mean something different, so always confirm which country the form is for.
Frequently Asked Questions
Is my TD Bank routing number the same as my account number?
No. Your routing number is nine digits and identifies TD Bank or a specific TD Bank branch. Your account number is unique to you and is usually 10 to 12 digits. You need both for direct deposit and wire transfers.
Can I use the same routing number for checking and savings accounts?
Yes. If both accounts are at the same TD Bank branch location, they share the same routing number. The account number is what distinguishes one account from the other.
What if I moved to a different state after opening my TD Bank account?
Your routing number does not change. It is based on the state where you opened the account, not where you live now. If you want a routing number for a different state, you would need to open a new account at a TD Bank branch in that state.
Do I need my routing number to transfer money between my own TD Bank accounts?
No. Transfers between your own accounts at TD Bank can be done through online banking or by calling customer service without providing a routing number. You only need the routing number when money is moving between different banks.
What should I do if I think someone has my routing number and account number?
Contact TD Bank when ready at 1-800-897-6000. While a routing number alone is not sensitive, the combination with your account number could be used to set up unauthorized transfers. TD Bank can monitor your account and help you find it.