August 18, 2019

TD Bank Routing Number

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Looking to transfer money in or out of your TD Bank checking or savings account? You'll need the right routing number. Find your TD Bank routing number and learn more about money transfers in our guide.

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A routing number is a 9-digit code that banks use to identify themselves. Think of it as an address that lets other banks know where to find your money.

You need your routing number for many tasks, including:

  • ACH payments

  • Setting up direct deposit

  • Receiving benefits from the government, including tax refunds

  • Transferring money between accounts at different banks or investment firms

  • Automatic bill payment

  • Domestic wire transfers

Many banks have more than one routing number, especially if they have branches in several states. TD Bank has branches throughout the United States and uses different routing numbers for each state.

Keep reading to learn how to find the right TD Bank routing number for your transactions.

TD Savings accounts use the same routing numbers as checking accounts.

TD Bank Routing Numbers by State

Your TD Bank routing number is associated with the location of the bank where you opened your account. Even if you do your banking at another TD Bank branch, the bank where you opened your account is what matters.

Here are the TD Bank routing numbers by state:

  • Connecticut 011103093

  • Florida 067014822

  • Maine 211274450

  • Massachusetts/Rhode Island 211370545

  • Metro DC/Maryland/Virginia 054001725

  • New Hampshire 011400071

  • New Jersey/Delaware 031201360

  • New York—Metro NYC or former Commerce customers 026013673

  • New York—Upstate NY or former Banknorth customers 021302567

  • North Carolina/South Carolina 053902197

  • Pennsylvania 036001808

  • Vermont 011600033

If you don't see your region listed or are unsure where you opened your account, below are other ways to find your TD Bank routing number.

Breaking down your routing number
The first four digits pertain to the Federal Reserve. The next four digits are unique to your bank. Consider those the bank's address for the Federal Reserve. The final digit is a mathematical calculation of the first eight digits—it's used to prevent check fraud.

Other Ways to Find Your TD Bank Routing Number

Here are several other ways to find your TD Bank routing number:

Use a Check
For checking accounts, you can find the routing number in the lower left-hand corner of the checks corresponding with your checking account. It's the first 9 digits located at the bottom of the check.

Send a Secure Message Online
Ask a TD Bank Team Member to verify your routing number by sending a secure message online.

  1. Visit the "Message Center" page on the left side of the screen after logging into your online account.

  2. Select "Send a Secure Message" and write that you need to verify your bank account's routing number.

Call Customer Service
Call TD Bank at 888-751-9000. After you provide a few specific details to identify yourself, a representative will be able to confirm your account's routing number.

For all international and domestic wire transfers to a TD Bank account, use the routing number 031101266. More on that below.

Routing Numbers for Domestic/International Wire Transfers

Anyone with the correct bank account and routing number information can wire funds to your TD Bank account. Wire transfers are helpful if you are sending money between two international bank accounts or want to send money with more security than a traditional ACH transfer.

International and domestic wire transfers can only be done in a TD Bank Store. But domestic transfers can be done using TD Bank's Person-to-Person transfer feature online.

The Person-to-Person transfer option isn't the same as a wire transfer, but it allows you to send money to any account in or out of the TD Bank system located in the United States or Canada without visiting a physical TD Bank.

TD Bank Transfer Fees
Incoming domestic/international wire: $15
Outbound domestic wire: $25
Outbound international wire: $40

Sending a Domestic Wire
You'll need the following information:

  • Name of the accountholder exactly as it appears on their account

  • Name and address of recipient's bank

  • Routing number of recipient's bank

  • The recipient's account number

International Wire Transfer
You'll need your bank and the recipient's bank SWIFT code. SWIFT codes are the international equivalents of the US routing numbers. They direct the money to the correct bank for international transfers.

For international wires from your TD Bank account, the information you'll use depends on what currency you're wiring. Below is the information you'll use for a US dollar transaction vs. a foreign currency transaction.

  • For international wires sending US Dollars to a TD Bank Account use the following:
    Routing number: 031101266
    Address: TD Bank, N.A. Wilmington, Delaware

  • Some banks will only accept a SWIFT code to send a wire. If this happens, use the following information instead:
    SWIFT Code: NRTHUS33XXX
    Address: TD BANK, N.A. 6000 Atrium Way Mount Laurel, NJ 08054, USA

  • For an international wire sending a foreign currency to your TD Bank account, use the following:
    Correspondent bank SWIFT code: TDOMCATTTOR
    Correspondent bank address: The Toronto Dominion Bank, Toronto, Ontario, Canada, M5k 1A2
    Beneficiary bank SWIFT code: NRTHUS33XXX
    Beneficiary bank address: TD Bank, N.A. 6000 Atrium Way, Mt. Laurel, NJ 08054

You'll also need the following to send an international wire:

  • Name of the recipient exactly as it appears on their account

  • Address of the recipient, including city, state/province, and country

  • Name and address of recipient's bank

  • The recipient's account number/IBAN number

  • Amount and currency of transfer

  • SWIFT code of recipient's bank

Which TD Bank Routing Number Should You Use?

For any domestic money transfer activity excluding wire transfers, use the ABA routing number for the state or region of your TD Bank branch bank.

If you are sending a domestic wire transfer, use routing number 031101266.

For international wires in US dollars (meaning a wire transfer to an account located outside the United States), use either the routing number 031101266, or, if required, the SWIFT code NRTHUS33XXX.

For international wires in a foreign currency, use the SWIFT code TDOMCATTTOR as the correspondent bank and the SWIFT code NRTHUS33XXX as the beneficiary bank.

Is There a Routing Number on Your Debit or Credit Card?
Although your debit card is associated with a bank account, you do not use a routing number for debit card transactions. Routing numbers are only used for transfers directly between bank accounts.

Likewise, credit cards do not have routing numbers since they are not directly linked to any bank account. When you pay your credit card online, you may need to use your bank account routing number to set up the link between your credit card account and checking account, like you would for any other bill.

Bottom Line

When managing your finances, you'll likely need your TD Bank routing number. Keep it handy should you need to set up a direct deposit, automatic payment, or wire transfer. And remember: the number you need may vary based on the type of transaction.

Disclaimer: Opinions expressed here are author's alone. Please support CreditDonkey on our mission to help you make savvy decisions. Our free online service is made possible through financial relationships with some of the products and services mentioned on this site. We may receive compensation if you shop through links in our content.

Disclaimer: This content was first published on August 18, 2019. Information including rates, fees, terms and benefits may vary, be out of date, or not applicable to you. Information is provided without warranty. Please check the bank's website for updated information.

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