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 number you need depends on the state where your branch is located. If you bank with TD Bank in New York, New Jersey, Pennsylvania, Delaware, Connecticut, Maryland, Virginia, West Virginia, or Washington D.C., your routing number is 021000021. If you bank with TD Bank in Florida or the U.S. Virgin Islands, your routing number is 067000007.

You will use this nine-digit number when you set up direct deposit, receive wire transfers, or pay bills through another bank's system. The routing number tells the other bank's computer which TD Bank location to send money to. Using the wrong routing number for your state can delay a transfer or send it to the wrong place entirely.

Your account number is different from your routing number and appears on the bottom left of your checks. Never confuse the two — banks need both to move money correctly.

Key Takeaways

  • TD Bank's routing number is 021000021 for customers in New York, New Jersey, Pennsylvania, Delaware, Connecticut, Maryland, Virginia, West Virginia, and Washington D.C.
  • TD Bank's routing number is 067000007 for customers in Florida and the U.S. Virgin Islands.
  • You need your routing number to set up direct deposit, receive wire transfers, and pay bills from other banks.
  • Your routing number is different from your account number, and you need both for most transfers.

Where to find your routing number on a check

The easiest place to look is the bottom left corner of any check from your TD Bank account. The first nine digits printed there are 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 checks or prefer not to look them up, you can call TD Bank customer service at 1-800-243-6000 and ask for your routing number. Have your account number ready when you call. You can also log into your TD Bank online account or mobile app — many banks display the routing number in the account details section, though TD Bank's app placement varies by update.

When you need your routing number

Direct deposit is the most common reason you will need your routing number. Your employer or a government agency (like Social Security) uses it to deposit paychecks or benefits straight into your account. You will provide both your routing number and account number on the form.

Wire transfers also require your routing number. If someone outside your bank is sending you money, they will ask for it. The same applies if you are paying a bill through another bank's bill-pay system — that bank needs to know which TD Bank branch to pull the money from.

ACH transfers (the slower, free version of moving money between banks) also use your routing number. These typically take one to three business days, unlike wire transfers, which can move money the same day.

The difference between routing number and SWIFT code

If you are receiving money from outside the United States, the sender may ask for a SWIFT code instead of a routing number. These are not the same thing. A routing number works only within the U.S. banking system. A SWIFT code is used for international transfers and identifies your bank globally.

TD Bank's SWIFT code is TDOMUS33. If you are expecting an international wire transfer, give the sender this code along with your account number. Do not give them your routing number — it will not work for money coming from another country.

What to do if a transfer fails

If you provided the wrong routing number, the transfer may bounce back to the sender or sit in a holding account for days. If this happens, contact TD Bank immediately. Have the details of the failed transfer ready: the amount, the date you sent it, and the name of the person or company who sent it.

TD Bank can sometimes trace a misdirected transfer and recover it, but the process takes time. If you are setting up direct deposit for the first time, many employers allow you to test the system with a small deposit before committing your full paycheck — this is a good way to catch routing number errors before they affect your income.

Frequently Asked Questions

Do all TD Bank branches use the same routing number?

No. TD Bank uses one routing number for all branches in the Northeast (021000021) and a different one for Florida and the U.S. Virgin Islands (067000007). Your state determines which one you use, not your specific branch location.

Can I use someone else's routing number to send them money?

Yes. If you are sending money to another TD Bank customer, you can use their routing number along with their account number. The money will reach their TD Bank account regardless of which branch they use in the same state.

What if I moved to a different state?

If you moved from a Northeast state to Florida (or vice versa) and kept your TD Bank account, contact TD Bank to confirm which routing number applies to your account now. Your account may have been transferred to a new regional system, which could change your routing number.

Is my routing number the same as my bank code?

No. Your routing number is specific to TD Bank and the state you bank in. Your bank code is a separate identifier used in some international transactions. Stick with your routing number for U.S. transfers and your SWIFT code for international ones.