TD Bank routing numbers depend on which state you bank in
TD Bank does not have a single routing number. The number you need depends on the state where your account is held. TD Bank operates in the Northeast and Mid-Atlantic under different charters, and each state's banking division assigns its own routing number. If you use TD Bank in New York, you will have a different routing number than someone with a TD Bank account in New Jersey or Pennsylvania.
The routing number itself is a nine-digit code that tells the banking system which institution should receive your money when someone sends you a transfer or deposit. Banks use it to sort payments the same way the postal service uses ZIP codes. You need the correct one for your state, or the transfer will either fail or take longer to process.
Key Takeaways
- TD Bank routing numbers are state-specific because TD operates under different state charters in different regions.
- You can find your routing number on the bottom left of any check you have, printed as the first set of nine digits.
- TD Bank's main routing numbers are 021000021 for New York and 031000503 for New Jersey, but other states have different numbers.
- If you are setting up a direct deposit or wire transfer, confirm the routing number with TD Bank directly rather than relying on a general list, because using the wrong number can delay your payment.
Where to find your routing number on a check
The fastest way to find your routing number is to look at a check from your TD Bank account. At the bottom left corner of the check, you will see nine digits printed in a special magnetic ink. That is your routing number. The next set of digits is your account number, and the last set is the check number itself.
If you do not have a check or do not want to order one, you can call TD Bank directly at 1-800-937-8372 and give them your account number. A representative can tell you the routing number for your specific account in under a minute. This is the safest method if you are about to send money, because the representative can also confirm that the routing number matches the type of transfer you are making.
Common TD Bank routing numbers by state
| State | Routing Number |
|---|---|
| New York | 021000021 |
| New Jersey | 031000503 |
| Pennsylvania | 031000503 |
| Delaware | 031000503 |
| Connecticut | 021000021 |
| Rhode Island | 021000021 |
| Massachusetts | 021000021 |
| New Hampshire | 021000021 |
| Maine | 021000021 |
| Vermont | 021000021 |
| Maryland | 031000503 |
| Virginia | 031000503 |
| Washington, D.C. | 031000503 |
These are the primary routing numbers for TD Bank accounts in each state. However, if you opened your account at a specific branch or through a merger, your account might use a different routing number. The check method or calling the bank directly will always give you the correct number for your account.
TD Bank also maintains a routing number lookup tool on its website if you want to verify the number for your state before you need it. Having the correct routing number on hand before you set up a transfer saves time and prevents delays.
Why routing numbers matter for different types of transfers
The routing number is required for any transfer that moves money between banks. When you set up direct deposit for a paycheck, your employer needs your routing number and account number to send the money to the right place. If you give them the wrong routing number, the deposit goes to a different bank or gets rejected entirely, and your paycheck is delayed.
Wire transfers also require the routing number. If you are sending money to someone else's TD Bank account, you need their routing number so the wire goes to their bank, not yours. The same applies if you are receiving a wire from outside TD Bank — the sender needs your routing number to route the money correctly.
ACH transfers — the slower, cheaper method used for things like bill payments and peer-to-peer transfers — also use the routing number. The difference is that ACH transfers take one to three business days, while wire transfers usually complete the same day. Both require the correct routing number to work.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transfer will either fail or go to the wrong bank. Most modern banking systems catch the error before the money leaves your account, and you will get a message that the routing number is invalid. The transfer straightforward will not process, and you can try again with the correct number.
In rare cases, the wrong routing number belongs to a real bank, and the money goes there instead of to TD Bank. This is more common with wire transfers than with ACH transfers. If this happens, you will need to contact the bank that received the money by mistake and ask them to reverse it. This can take several days and may involve fees.
For direct deposits like paychecks, the employer's payroll system usually validates the routing number before sending. If it is invalid, the deposit fails and bounces back to your employer. You will then need to contact payroll, give them the correct routing number, and ask them to resubmit. This can delay your paycheck by a week or more.
Routing numbers versus account numbers
The routing number and account number are two different things, and you need both for most transfers. The routing number identifies the bank — it tells the system which institution holds the account. The account number identifies your specific account within that bank. Think of the routing number as the bank's address and the account number as your mailbox number inside that address.
On a check, the routing number is the first nine digits at the bottom left. The account number is the next set of digits after that. When you set up direct deposit or a wire transfer, you will be asked for both. Giving the correct routing number but the wrong account number sends the money to someone else's account at TD Bank. Giving the correct account number but the wrong routing number sends it to the wrong bank entirely.
Frequently Asked Questions
Do all TD Bank accounts in the same state use the same routing number?
Most do, but not all. The routing number depends on which charter TD Bank operates under in your state and when your account was opened. If you merged from another bank into TD Bank, your account might retain an older routing number. Always check your check or call the bank to confirm your specific routing number rather than assuming it matches the state list.
Can I use the routing number from my check for online transfers?
Yes. The routing number on your check is the same one you use for online transfers, direct deposits, wire transfers, and ACH payments. It does not change based on the type of transfer. The only thing that changes is the account number if you have multiple accounts at TD Bank.
What if I am setting up a transfer to someone else's TD Bank account?
You need their routing number, not yours. Ask them for their routing number and account number. If they give you a check, the routing number is at the bottom left. If they do not have a check, they can call TD Bank or check their online banking portal. Using your own routing number will send the money to your account, not theirs.
Is the routing number the same for TD Bank checking and savings accounts?
Yes. Both checking and savings accounts at TD Bank use the same routing number. The account number is different for each account you hold, but the routing number stays the same. If you have both a checking and a savings account at TD Bank, they both use the same nine-digit routing number for your state.
Do I need a different routing number if I move to a different state?
If you move but keep your TD Bank account open in your original state, you keep the original routing number. If you close that account and open a new one in a different state where TD Bank operates, the new account will use that state's routing number. You do not need to do anything — the new account is automatically assigned the correct routing number when you open it.