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
The routing number is not the same as your account number. Think of it this way: your account number identifies which account at TD Bank is yours, while the routing number identifies which TD Bank location processes that account. When someone sends you money through an electronic transfer, they need both pieces of information to reach the right place.
TD Bank's routing number depends on which state your account is in. If your account is in New York, New Jersey, Pennsylvania, Delaware, or Connecticut, your routing number is 021000021. If your account is in Florida or the other states where TD Bank operates, the routing number is 031201360. Some older TD Bank accounts may have a third routing number, 011000015, but this is less common for new accounts.
Key Takeaways
- TD Bank routing numbers are nine digits and vary by the state where your account is located.
- The most common routing number for TD Bank accounts in the Northeast is 021000021.
- You can find your routing number on the bottom left of your checks, in your online banking portal, or by calling TD Bank customer service.
- Your routing number stays the same as long as your account remains at the same TD Bank branch location.
- You need both your routing number and account number for electronic transfers, direct deposits, and wire transfers between banks.
Where to find your routing number on a check
If you have a checkbook, the easiest place to find your routing number is on the bottom left corner of any check. You will see a series of numbers printed there. The first nine digits are your routing number. The next set of digits after that is your account number.
The numbers are printed in a special magnetic ink that banks can read automatically. You do not need to understand how that works — you just need to know that the first nine digits on the left are what you are looking for. This method works even if your checks are several years old, because routing numbers do not change unless you move your account to a different branch.
Finding your routing number online
Log into your TD Bank online banking account or mobile app. Look for a section labeled "Account Details," "Account Information," or "Routing and Account Numbers." TD Bank displays this information in the account summary or settings area.
If you cannot find it in those places, look for a link that says "Wire Transfer Information" or "Direct Deposit Setup." Both of these sections will show your routing number because you need it to complete those transactions. The online method is fast and works even if you do not have checks on hand.
Calling TD Bank to confirm 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 which routing number applies to your account based on where it is located.
This is the safest way to get your routing number if you are about to send money to someone and want to be absolutely certain you have the right one. It takes a few minutes and removes any chance of error. Customer service representatives can also answer questions about whether your specific account uses one of the three routing numbers listed above.
Why routing numbers matter for direct deposits and transfers
When your employer sets up direct deposit of your paycheck, they ask for your routing number and account number. The routing number tells their bank which TD Bank branch to send the money to. Without it, the deposit cannot reach you.
The same applies when you set up automatic bill payments, receive a wire transfer, or move money between banks. The routing number is the address that tells the sending bank where to deliver the funds. If you give the wrong routing number, the money may go to the wrong place or be rejected entirely. This is why double-checking before you share it is worth the extra minute.
What to do if you have multiple TD Bank accounts
If you have more than one account at TD Bank — for example, a checking account and a savings account — they share the same routing number. The routing number identifies the bank and branch, not the individual account. Your account number is what distinguishes one account from another.
However, if you have accounts at different TD Bank branch locations in different states, those accounts may have different routing numbers. Check each account separately if you are unsure. You can use any of the three methods above — checks, online banking, or a phone call — to confirm the routing number for each account.
Frequently Asked Questions
Is my routing number the same as my account number?
No. Your routing number is nine digits and identifies your bank and branch. Your account number is longer and identifies your specific account within that branch. You need both for transfers and direct deposits.
Can my routing number change?
Your routing number stays the same as long as your account remains at the same TD Bank branch. If you move your account to a different branch or state, you may receive a new routing number. Contact TD Bank if you change branches.
What if I give someone the wrong routing number?
The transfer will likely be rejected or sent to the wrong place. If money goes to the wrong account, contact TD Bank when ready with the transaction details. They can work with the other bank to recover the funds, but this can take several days.
Do I need my routing number to withdraw money from an ATM?
No. You only need your debit card and PIN to use an ATM. Routing numbers are only needed for electronic transfers, direct deposits, and wire transfers between banks.
Which TD Bank routing number should I use if I am not sure which state my account is in?
Check your most recent bank statement or log into online banking to see your account location. If you still cannot find it, call 1-800-937-8372 and a representative will tell you which routing number belongs to your account.