A TD Bank routing number is a nine-digit code that tells the banking system where your money is coming from or going to
Every bank in the United States has one or more routing numbers. TD Bank's routing number identifies it to other banks, payment processors, and the Federal Reserve. When you set up a direct deposit, send money via ACH transfer, or arrange an automatic bill payment, you give the routing number so the money reaches TD Bank—not some other institution.
The routing number is not secret. You can find it on the bottom left of any TD Bank check, on your bank statement, or by calling TD Bank directly. It does not change unless you switch banks or move to a different region, and it is the same for all TD Bank customers in your area.
Key Takeaways
- TD Bank routing numbers are nine digits and appear on the bottom left of checks and on bank statements.
- You need the routing number whenever you set up direct deposit, automatic bill payments, or ACH transfers.
- TD Bank has different routing numbers for different states and regions, so you must use the one for your branch location.
- The routing number is public information and sharing it does not put your account at risk—you also need your account number for any transaction.
Where to find your TD Bank routing number
The easiest place to look is the bottom left corner of any check from your TD Bank account. The first nine digits are the routing number. If you do not have a check, log into your TD Bank online account or mobile app and look for account details or account information—the routing number is usually listed there.
You can also call TD Bank customer service or visit a branch in person. Have your account number ready when you call. If you are setting up a payment and need the routing number right away, the online banking portal is usually the fastest option.
TD Bank routing numbers vary by state and region
TD Bank operates across the Northeast and Mid-Atlantic, and the routing number depends on which state your branch is in. New Jersey, New York, Pennsylvania, Delaware, Connecticut, and Massachusetts each have their own routing numbers. If you move to a different state or open an account at a different branch location, your routing number may change.
When you set up a payment or transfer, make sure you are using the routing number for the branch where your account is held, not a different TD Bank location. Using the wrong routing number will cause the transaction to fail or be delayed.
When you need to provide your routing number
You need your routing number when you set up direct deposit for a paycheck or government benefit. Your employer or the benefit program uses it to send money straight into your account. You also need it when you arrange automatic bill payments through your utility company, insurance company, or loan servicer—they use the routing number to pull money from your TD Bank account on a schedule you set.
If you are sending money to someone else via ACH transfer through another bank, you will need to provide their routing number so the money reaches their bank. Similarly, if someone is sending you money and you use TD Bank, you give them your TD Bank routing number and your account number.
Routing number versus account number
The routing number identifies the bank. Your account number identifies your specific account within that bank. Both are required for most transactions. The routing number alone cannot access your money—a person would also need your account number and usually additional verification to move funds.
On a check, the routing number is the first nine digits on the bottom left. Your account number follows immediately after. When you give out your routing number for a legitimate payment setup, you are not putting your account at risk as long as you trust the person or organization asking for it.
What happens if you use the wrong routing number
If you provide an incorrect routing number, the transaction will usually fail and bounce back within one to three business days. The money does not disappear—it returns to the sender. Your employer or the organization sending the payment will be notified that the routing number was invalid, and you will need to provide the correct one and resubmit.
In rare cases, a transaction sent to the wrong routing number might reach a different bank. That bank will reject it because the account number does not match their system, and it will bounce back to the sender. This is why it is important to double-check the routing number before confirming any setup.
Frequently Asked Questions
Is it safe to give someone my routing number?
Yes. The routing number is public information and does not grant access to your account. You need both the routing number and your account number, plus authorization, for anyone to move money. Only share your account number with people or organizations you trust to make legitimate payments.
Do I need a different routing number for each type of payment?
No. The same TD Bank routing number works for direct deposit, bill payments, ACH transfers, and wire transfers. The routing number stays the same regardless of what kind of transaction you are making.
What if I have multiple accounts at TD Bank?
All your accounts at the same TD Bank branch use the same routing number. Each account has its own account number. When you set up a payment, you specify which account the money should come from or go to using the account number.
Can my routing number change?
Your routing number stays the same as long as your account remains open at the same branch. If you move to a different state or open an account at a different TD Bank location, you may be assigned a new routing number. Check with TD Bank if you change your branch.
What is the difference between a routing number and a SWIFT code?
A routing number is used for domestic transfers within the United States. A SWIFT code is used for international wire transfers. If you are sending money outside the U.S., you will need the SWIFT code instead of the routing number.