Your TD Bank routing number is a nine-digit code that identifies your specific branch to other banks
When you need to set up direct deposit, send a wire transfer, or arrange an automatic payment, you will need your routing number. TD Bank's routing number depends on which state your account is held in — the bank operates under different charters in different regions, so there is no single number that works everywhere.
The routing number tells the sending bank exactly where to direct your money. Without it, transfers can be delayed or sent to the wrong place. TD Bank routing numbers are nine digits long and always start with the same first four digits for each state's system, but the last five digits vary by branch location.
Key Takeaways
- TD Bank routing numbers are nine digits and vary by the state where your account is located, not by individual branch.
- 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.
- The most common TD Bank routing numbers are 011103093 for the Northeast and Mid-Atlantic region and 031201360 for the Florida region.
- If you use the wrong routing number, your transfer may fail or be delayed, so verify the number matches your account location before sending money.
Where to find your routing number on a check
The easiest way to locate your routing number is to look at a blank check from your TD Bank account. On the bottom left corner of the check, you will see three groups of numbers separated by colons or special symbols. The first group of nine digits is your routing number.
If you do not have checks available or prefer not to use them, this method still works if you have access to an old check or a photo of one. The routing number printed on checks does not change unless you move to a different state or switch to a different account type.
How to find your routing number online
Log into your TD Bank online banking account and navigate to your account details or account information section. Most banks display the routing number alongside your account number in a summary view. You can also contact TD Bank through their website's chat feature or look for a "routing number" search tool if the bank provides one.
If you cannot locate it in your account dashboard, call TD Bank customer service at 1-800-243-6000. A representative can confirm your routing number over the phone within a few minutes. Have your account number and a form of identification ready when you call.
Common TD Bank routing numbers by region
TD Bank operates in multiple states under different regional systems. The routing number you need depends on where your account is physically located, not where you live or where you are sending money from.
| Region | States Served | Routing Number |
|---|---|---|
| Northeast and Mid-Atlantic | New York, New Jersey, Pennsylvania, Delaware, Connecticut | 011103093 |
| Florida | Florida | 031201360 |
| Maine | Maine | 011500120 |
If your state is not listed here or you are unsure which region your account belongs to, contact TD Bank directly. Using the wrong routing number for your region will cause the transfer to fail or be rejected by the receiving bank.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the sending bank will attempt to route your money to a different financial institution or branch. The transfer may be rejected outright, returned to the sender, or delayed by several business days while the error is caught and corrected.
In some cases, the money may reach a TD Bank account, but not yours — this is rare but possible if the routing number belongs to a real TD Bank location. Always double-check the routing number before confirming a transfer, especially for large amounts or time-sensitive payments.
Routing number versus account number
Your routing number identifies your bank and branch. Your account number identifies your specific account within that bank. Both are required for most transfers, direct deposits, and automatic payments. On a check, the routing number appears first on the bottom left, and your account number appears in the middle or right section.
When setting up direct deposit with an employer or automatic bill payments, you will need to provide both numbers. Mixing them up is a common mistake — if you enter your account number where the routing number should go, the transaction will fail.
When you need your routing number
You will need your TD Bank routing number when setting up direct deposit for payroll, arranging automatic bill payments, receiving wire transfers, or transferring money between banks. Some online payment services and peer-to-peer money transfer apps also ask for it, though many now use account number alone.
Keep your routing number handy if you frequently receive payments or send money. You do not need to memorize it — writing it down or saving it in a secure note is fine. Your routing number is not sensitive information in the way your account number or PIN is, so sharing it for legitimate transfers is safe.
Frequently Asked Questions
Do I need a different routing number if I move to a different state?
If you move but keep your existing TD Bank account, your routing number does not change. However, if you close that account and open a new one at a TD Bank branch in a different state, your new account will have a different routing number based on that state's regional system. Contact TD Bank to confirm which routing number applies to your account.
Can I use the same routing number for wire transfers and direct deposit?
Yes. Your routing number works for all types of transfers — wire transfers, ACH transfers, direct deposit, and automatic bill payments. The routing number identifies your bank and branch, so it is the same regardless of the transaction type.
What if TD Bank merged with another bank in my area?
TD Bank has acquired other banks in some regions. If your account was transferred as part of a merger, your routing number may have changed. Log into your online account or call customer service to confirm your current routing number, as it may differ from what you used before the merger.
Is my routing number the same as my bank's main routing number?
Not always. TD Bank publishes a main routing number for each region, but some branches or account types may use different numbers. Always use the routing number associated with your specific account location rather than a general bank number you find online.