TD Bank's routing number depends on which state you bank in
TD Bank does not have a single routing number for all customers. The routing number you need depends on the state where your account is held. TD Bank operates in the Northeast and Mid-Atlantic, and each state has its own routing number. If you use the wrong routing number, your transfer or direct deposit may be delayed or sent to the wrong account.
The most common TD Bank routing number is 011103093, which covers most TD Bank locations across multiple states including New York, New Jersey, Pennsylvania, Delaware, and Connecticut. However, you should verify the routing number for your specific state and account type before initiating any transfer.
Your account statement, online banking portal, or a call to TD Bank customer service will show you the correct routing number for your account. Using the wrong number is one of the most common reasons transfers fail or take longer than expected.
Key Takeaways
- TD Bank's primary routing number is 011103093, but the correct number depends on which state your account is located in.
- You can find your account's routing number on the bottom left of your checks, in your online banking account, or by calling TD Bank customer service.
- Direct deposits and wire transfers require the correct routing number or the transaction may be delayed or misdirected.
- If you have multiple TD Bank accounts in different states, each account may have a different routing number.
Where to find your routing number on checks
If you have TD Bank checks, the routing number is printed at the bottom left of every check. It is a nine-digit number that appears before your account number. The format is always the same: the routing number comes first, followed by your account number, then the check number at the far right.
This is the fastest way to locate your routing number if you have checks available. You do not need to call the bank or log into your account—just look at any check in your checkbook.
How to find it online or by phone
Log into your TD Bank online banking account and navigate to your account details or settings. Most banks display the routing number alongside your account number in the account information section. If you cannot find it online, call TD Bank customer service at 1-800-937-8372 and provide your account number. A representative can confirm the correct routing number for your specific account within a few minutes.
When you call, have your account number ready. The representative will ask which state your account is in to ensure they give you the correct routing number. This is especially important if you have moved or have accounts in multiple states.
Why the routing number matters for direct deposit
Your employer or benefit provider needs your routing number and account number to set up direct deposit. If you provide the wrong routing number, your paycheck or benefit payment may go to a different bank or account, or the deposit may be rejected entirely. This can delay your access to funds by several days or longer.
Before giving your routing number to your employer or a government agency, double-check it against your checks or your online account. A simple mistake here can cost you time and create confusion with payroll or benefits processing.
Routing numbers for wire transfers and ACH payments
The same routing number you use for direct deposit also works for wire transfers and ACH payments (automated clearing house transfers). Whether you are sending money to another bank or receiving a transfer from someone else, the routing number identifies TD Bank as the receiving institution.
Wire transfers typically process within one business day, while ACH transfers can take two to three business days. Both require the correct routing number to reach your account. If you are sending money to someone else's TD Bank account, ask them for their routing number rather than assuming it matches yours.
What to do if you have the wrong routing number
If you have already submitted a transfer or direct deposit with an incorrect routing number, contact TD Bank immediately. Explain the error and provide the correct routing number. The bank can sometimes intercept the transaction before it processes, but this depends on how far along the transfer is in the system.
If the money has already been sent to the wrong account, TD Bank can file a trace to attempt recovery. This process can take several weeks. To avoid this situation, always verify your routing number before submitting any transfer or setting up direct deposit for the first time.
Frequently Asked Questions
Is the TD Bank routing number the same for all states?
No. TD Bank uses different routing numbers depending on which state your account is in. The most common is 011103093, but you should verify the number for your specific state and account. Check your checks or online account to be certain.
Can I use 011103093 for any TD Bank account?
011103093 works for most TD Bank accounts across multiple states, but it is not may provide for every account. Some accounts in certain states or with specific account types may use a different routing number. Always confirm with your account details before submitting a transfer.
What happens if I use the wrong routing number?
The transfer or direct deposit may be delayed, rejected, or sent to the wrong account. Contact TD Bank right away if you realize you used the wrong number. The bank can sometimes stop the transaction, but recovery depends on how far the transfer has progressed.
Do I need a different routing number for wire transfers versus ACH transfers?
No. The same routing number works for both wire transfers and ACH transfers. The routing number identifies TD Bank as the destination bank, regardless of the transfer method.
Where can I find my routing number if I do not have checks?
Log into your TD Bank online account and look for account details or settings, where the routing number is usually displayed. If you cannot find it online, call TD Bank customer service at 1-800-937-8372 with your account number ready.