What a routing number is and why you need it
A routing number is a nine-digit code that identifies which bank or credit union holds your account. Banks use it to send money to the right place when you receive a direct deposit, set up a bill payment, or transfer funds between accounts. Without the correct routing number, a payment can go to the wrong bank or get delayed.
TD Bank has different routing numbers depending on which state you opened your account in and which type of account you have. Using the wrong one — even if it's another TD Bank routing number — can cause your deposit or payment to fail or arrive late.
Key Takeaways
- TD Bank routing numbers are nine digits and vary by state and account type, so you need the one specific to your account location.
- 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 routing number appears as the first set of numbers on the bottom left of a check, before your account number.
- TD Bank's main routing number for New Jersey and New York is 021000021, but other states have different numbers.
Finding your routing number on a check
The easiest way to find your TD Bank routing number is to look at a check from your 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 or cannot locate them, this method does not work. But if you have even one check, you can read the routing number directly without calling the bank or logging in online.
Looking it up in your online banking account
Log into your TD Bank online banking portal using your username and password. Once you are logged in, look for a section labeled "Account Details," "Account Information," or "Routing and Account Numbers." The routing number will be listed there along with your account number.
If you cannot find it in the main account view, try the settings or profile section. Some banks hide this information one level deeper. You can also read your account statements from the portal — the routing number sometimes appears on the first page or in the account summary section.
Calling TD Bank customer service
Call TD Bank at 1-800-937-8372 and select the option to speak with a representative. Have your account number ready. The representative will confirm your identity and provide your routing number over the phone. This method works during business hours and takes a few minutes.
If you are calling from outside the United States, TD Bank's international customer service line varies by country. Check the back of your debit card or the TD Bank website for the correct number to use.
Common TD Bank routing numbers by state
| State or Region | Routing Number |
|---|---|
| New Jersey, New York | 021000021 |
| Connecticut | 011000015 |
| Delaware | 031000503 |
| Florida | 067000007 |
| Maryland, Virginia, Washington D.C. | 051000017 |
| Pennsylvania | 031000503 |
These are the most common routing numbers for TD Bank locations. However, your specific routing number depends on where you opened your account, not where you currently live or where your nearest branch is. If you moved to a different state after opening your account, your original routing number usually stays the same.
If your state is not listed here or you are unsure which number applies to you, use one of the other methods above to confirm. Using the wrong routing number can cause a payment to fail, so it is worth taking the extra step to verify.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the payment or deposit may be rejected by the receiving bank. Some banks will return the money to the sender within a few business days. Other times, the money goes to a different account at TD Bank, and you will need to contact customer service to locate and recover it.
Direct deposits that use the wrong routing number typically fail and bounce back to your employer's payroll system. Your employer will then need to resubmit the deposit with the correct information. This can delay your paycheck by one or two pay periods.
Bill payments sent with an incorrect routing number may also fail, which could result in a late payment on your account. If you are setting up a new payment or transfer, double-check the routing number before confirming the transaction.
Frequently Asked Questions
Is the routing number the same for all TD Bank accounts?
No. TD Bank routing numbers vary by state and sometimes by account type. The routing number for an account opened in New York is different from one opened in Florida. Always use the routing number for the state where you opened your account, not where you currently live.
Can I use any TD Bank routing number for my account?
No. You must use the routing number specific to your account. Using a different TD Bank routing number — even if it belongs to another TD Bank branch — can cause the transaction to fail or go to the wrong place. Verify your routing number before sending money or setting up a direct deposit.
Where is the routing number on my debit card?
The routing number does not appear on your debit card. It only appears on checks, in your online banking portal, or when you call customer service. If you need your routing number and do not have a check, log into your online account or call 1-800-937-8372.
Do I need my routing number to transfer money between my own TD Bank accounts?
Not always. If both accounts are at TD Bank and you transfer through online banking, the system usually handles the routing automatically. However, if you are setting up an external transfer to another bank, you will need your TD Bank routing number.
What if I cannot find my routing number anywhere?
Call TD Bank customer service at 1-800-937-8372 with your account number ready. A representative will confirm your identity and provide your routing number. This is the most reliable method if other options do not work.