What a TD Bank routing number is and where to find it
A routing number is a nine-digit code that tells the banking system which bank to send your money to. TD Bank's routing number depends on which state your account is in, because TD operates under different charters in different regions. If your account is at a TD Bank branch in the Northeast or Mid-Atlantic, your routing number is likely 011103093. If you're in Florida or the Carolinas, it may be different. The fastest way to find your exact routing number is to look at the bottom left corner of any check you have — the first nine digits are your routing number. If you don't have a check, log into your TD Bank online account, call TD Bank customer service at 1-800-243-6000, or visit a branch with your ID.
You need your routing number whenever you set up direct deposit, arrange an automatic bill payment, or receive a wire transfer. The routing number tells the other bank's system exactly where to send or pull the money. Without it, the transaction either fails or goes to the wrong account.
Key Takeaways
- TD Bank's routing number is nine digits and appears on the bottom left of your checks, or you can find it by logging into your online account.
- The routing number varies by state and region because TD Bank operates under different charters — verify you have the correct one for your branch location.
- You will need your routing number to set up direct deposit, automatic bill payments, wire transfers, and ACH transfers from other banks.
- Calling TD Bank customer service at 1-800-243-6000 or visiting your local branch is the fastest way to confirm your routing number if you don't have a check.
Why TD Bank has more than one routing number
TD Bank operates as multiple legal entities across different states, and each entity has its own routing number. The company runs TD Bank, N.A. in the Northeast and Mid-Atlantic region, and TD Bank USA, N.A. in Florida and the Carolinas. When you open an account, the bank assigns you a routing number based on where your branch is located, not where you live or where you're sending money.
This matters because using the wrong routing number can delay your transaction or send money to the wrong place. If you move or your account gets transferred between regions, your routing number may change. Always verify the routing number matches your current account location.
How to locate your routing number online
Log into TD Bank's online banking portal at tdbank.com. Once you're signed in, go to your account settings or account details page — the exact location varies depending on whether you're using the desktop site or mobile app. Your routing number should appear alongside your account number. If you can't find it in account settings, look for a "wire transfer information" or "direct deposit setup" section, which often displays the routing number prominently.
If you're not enrolled in online banking, you can set that up at tdbank.com or ask a teller at any TD Bank branch. Online banking is free and takes about five minutes to register.
Reading your routing number from a check
Open your checkbook and look at the bottom of any check. You'll see three groups of numbers in magnetic ink. The first group of nine digits is your routing number. The second group is your account number. The third group is the check number. This layout is standard across all U.S. banks, so if you have checks from any account, you can read the routing number the same way.
If your checks are old or from a closed account, don't use that routing number — it may no longer be valid. Always verify with your current account information before using a routing number for a transaction.
When you need your routing number
You'll need your routing number for direct deposit of your paycheck or government benefits. Your employer or the benefits office uses it to route the deposit to your specific bank and account. You also need it to set up automatic bill payments from your TD Bank account — the biller's system uses the routing number to pull money from the right place on the due date.
If someone is sending you a wire transfer or ACH transfer from another bank, they'll ask for your routing number and account number. Wire transfers usually arrive the same business day; ACH transfers take one to three business days. Both require the correct routing number or the transfer will fail.
What to do if you can't find your routing number
Call TD Bank customer service at 1-800-243-6000. Have your account number and a form of ID ready. A representative can tell you your routing number in less than a minute. Customer service is available Monday through Friday during business hours, and some lines have extended weekend hours.
You can also visit any TD Bank branch in person with your ID and ask a teller. They'll write down your routing number for you on the spot. This is useful if you need it immediately or prefer to confirm it face-to-face.
Routing number versus account number
Your routing number identifies your bank. Your account number identifies your specific account within that bank. Both are required for most transactions. The routing number is nine digits; the account number is typically 10 to 12 digits. On a check, the routing number comes first (bottom left), then the account number (bottom center). When you set up direct deposit or bill pay, you'll enter both numbers.
If you give someone only your routing number without your account number, they won't be able to send you money or pull a payment. If you give only your account number without the routing number, the transaction will fail because the system won't know which bank to contact.
Frequently Asked Questions
Is TD Bank's routing number the same for all states?
No. TD Bank operates under different charters in different regions, so the routing number depends on your branch location. The most common routing number for TD Bank accounts in the Northeast and Mid-Atlantic is 011103093, but Florida and Carolina accounts may have a different one. Check your checks or online account to confirm yours.
Can I use someone else's check to find my routing number?
Only if it's from the same TD Bank account. Checks from different accounts or different banks will have different routing numbers. Always use a check from your own account or verify the number through your online account or by calling customer service.
What happens if I use the wrong routing number?
The transaction will either fail or be delayed while the bank tries to sort it out. Direct deposits and bill payments may bounce. Wire transfers sent to the wrong routing number could end up in another bank's system, and recovery can take days or weeks. Always double-check before submitting.
Do I need my routing number to transfer money between my own TD Bank accounts?
No. If both accounts are at TD Bank, you can transfer between them using just your account numbers through online banking or at a branch. You only need the routing number when transferring to or from a different bank.
Will my routing number change if I move to a different state?
It depends. If you move but keep your account at the same TD Bank branch, your routing number stays the same. If your account gets transferred to a branch in a different region where TD operates under a different charter, your routing number may change. Contact TD Bank to confirm if your routing number changes after a move.