TD Bank's ABA number depends on which state you bank in

TD Bank does not have a single ABA number for the entire company. Instead, each state where TD Bank operates has its own routing number, also called an ABA number. The routing number you need is determined by the state where your specific branch is located, not where you currently live or where you're sending money.

An ABA number (American Banker Association number) is a nine-digit code that identifies your bank and the specific location where your account was opened. Banks use it to route wire transfers, direct deposits, and ACH payments to the correct branch. If you use the wrong routing number, your transaction may be delayed or sent to the wrong account.

You'll need your routing number when setting up direct deposit at work, arranging automatic bill payments, or receiving a wire transfer from another bank. The number is different from your account number, which identifies your individual account within the bank.

Key Takeaways

  • TD Bank routing numbers vary by state, so you must identify which state your account was opened in to find the correct number.
  • Your routing number appears on the bottom left of your checks, or you can find it through TD Bank's website or by calling customer service.
  • Using the wrong routing number can delay transactions or send money to an incorrect account, so verify the number before submitting it.
  • Common TD Bank routing numbers include 011000015 for the Northeast region and 021000021 for some locations, but your specific number depends on your branch state.

How to find your TD Bank routing number

The fastest way to locate your routing number is to look at the bottom left corner of any check from your TD Bank account. The first nine digits printed there are your ABA routing number. This is the most reliable source because it's specific to your branch.

If you don't have checks available, you can log into your TD Bank online account or mobile app and look for the routing number in the account details or settings section. TD Bank also displays this information when you set up bill pay or external transfers within the platform.

You can also call TD Bank customer service at 1-800-225-5823 and provide your account number and the state where your account is located. A representative will give you the correct routing number over the phone. Having your account number ready will speed up the process.

Common TD Bank routing numbers by region

TD Bank operates primarily in the Northeast and Mid-Atlantic regions. The routing number 011000015 is used for many TD Bank locations in states including New York, New Jersey, Pennsylvania, Delaware, and Connecticut. However, this is not the routing number for all branches in these states.

The routing number 021000021 is used for some TD Bank locations in other states. Because TD Bank has acquired other banks over time and operates under different charters in different regions, multiple routing numbers exist within the same state.

The only way to be certain you have the correct routing number for your specific account is to check your checks, log into your account online, or contact the branch where you opened your account. Do not assume your routing number based on your state alone.

When you need your routing number

You'll need your routing number when your employer sets up direct deposit for your paycheck. Your HR or payroll department will ask for both your routing number and your account number to deposit funds into your TD Bank account.

You also need it when you arrange automatic bill payments through your bank, set up transfers to accounts at other banks, or receive a wire transfer from another financial institution. Some online payment services and peer-to-peer payment apps may also request your routing number to verify your bank account.

If you're sending money to someone else's TD Bank account, you would use their routing number, not yours. Make sure you have the correct routing number for their specific branch location.

What happens if you use the wrong routing number

If you submit an incorrect routing number, the transaction may be delayed while the banking system attempts to locate the correct destination. In some cases, the money may be returned to the sender, and you'll have to resubmit with the correct information.

Wire transfers with wrong routing numbers can take several days to resolve, and you may incur fees from your bank for the correction. Direct deposits sent to the wrong routing number may not reach your account at all and could end up in someone else's account or be returned to your employer.

Always double-check your routing number before submitting it for any transaction. If you're unsure, verify it through your checks, online account, or by calling customer service rather than guessing.

Routing number versus account number

Your routing number identifies TD Bank and your specific branch location. Your account number identifies your individual account within that branch. Both are necessary for most transactions, but they serve different purposes.

Your account number is typically 10 to 12 digits and also appears on the bottom of your checks, to the right of the routing number. When you provide banking information to an employer or creditor, you'll usually need to provide both numbers together.

Some transactions, like wire transfers, may require additional information such as your full name and address to match the account holder. Never share your full account number or routing number with anyone you don't trust, as this information can be used to set up unauthorized transfers.

Frequently Asked Questions

Is the TD Bank routing number the same for all branches?

No. TD Bank uses different routing numbers for different states and regions. Your routing number is specific to the state where your account was opened. Even within the same state, different branches may have different routing numbers depending on which charter or acquisition the branch operates under.

Can I use any TD Bank routing number for my account?

No. You must use the routing number for the specific branch where your account is located. Using a different TD Bank routing number will send your transaction to the wrong location and may cause delays or errors. Always verify your routing number on your checks or through your online account.

What if I don't know which state my account was opened in?

Check your checks or log into your online account to see your routing number. You can also call TD Bank customer service and provide your account number. They will tell you which state your account is registered in and confirm your correct routing number.

Do I need a routing number to transfer money between my own TD Bank accounts?

If both accounts are at TD Bank and you're using online banking or a TD Bank branch, you typically don't need the routing number — the bank's system recognizes both accounts as yours. However, if you're setting up an external transfer through another bank, you'll need your TD Bank routing number.

Where else can I find my routing number besides my checks?

Log into your TD Bank online account or mobile app and look in the account details or settings section. You can also call TD Bank customer service at 1-800-225-5823, visit a branch in person, or use TD Bank's routing number lookup tool on their website if you provide your account information.