TD Bank uses different routing numbers depending on your state. For domestic wire transfers, the number 031101266 applies to all states. For ACH transfers, direct deposit, and check orders, use your state-specific routing number from the table below. The SWIFT code for international wires is TDOMCATTTOR.
TD Bank operates in 15 states plus Washington, D.C. — exclusively along the East Coast. If you’re unsure of your number, it also appears on the lower-left corner of your paper checks.
See the TD Bank overview for fees, ATM limits, and account comparisons.
TD Bank Routing Numbers by State (2026)
| State | Routing Number | Use For |
|---|---|---|
| Connecticut | 011103093 | ACH, direct deposit, checks |
| Delaware | 031201360 | ACH, direct deposit, checks |
| Florida | 067014822 | ACH, direct deposit, checks |
| Maine | 211274450 | ACH, direct deposit, checks |
| Maryland | 054001725 | ACH, direct deposit, checks |
| Massachusetts | 211370545 | ACH, direct deposit, checks |
| New Hampshire | 011400071 | ACH, direct deposit, checks |
| New Jersey | 031201360 | ACH, direct deposit, checks |
| New York (NYC Metro) | 026013673 | ACH, direct deposit, checks |
| New York (Upstate) | 021302567 | ACH, direct deposit, checks |
| North Carolina | 053902197 | ACH, direct deposit, checks |
| Pennsylvania | 036001808 | ACH, direct deposit, checks |
| Rhode Island | 211370545 | ACH, direct deposit, checks |
| South Carolina | 053902197 | ACH, direct deposit, checks |
| Vermont | 011600033 | ACH, direct deposit, checks |
| Virginia | 054001725 | ACH, direct deposit, checks |
| Washington, D.C. | 054001725 | ACH, direct deposit, checks |
TD Bank Wire Transfer Routing Numbers
| Transfer Type | Number | Applies To |
|---|---|---|
| Domestic wire (ABA) | 031101266 | All 15 states + DC |
| International wire (SWIFT) | TDOMCATTTOR | All international transfers |
Important: The domestic wire routing number (031101266) is different from your state’s ACH routing number. If you use the wrong number, wires may be delayed or rejected. When in doubt, call TD Bank at 1-888-751-9000 (24/7) to confirm before initiating a large wire.
Where to Find Your Routing Number
Paper Checks
Your routing number is the first 9-digit number printed on the bottom-left corner of your personal checks:
⎣ ROUTING NUMBER ⎦ ⎣ ACCOUNT NUMBER ⎦ ⎣ CHECK NUMBER ⎦
TD Bank Online Banking
- Log in at tdbank.com
- Select your account
- Choose “View account details” or “Account information”
- Your routing number appears under “Account Details”
TD Bank Mobile App
- Open the TD Bank app
- Tap your account
- Scroll to “Account Details”
- Your 9-digit routing number is listed
Bank Statement
Your routing number appears on electronic statements under account details, or you can call 1-888-751-9000 to confirm.
Why TD Bank Has Multiple Routing Numbers
TD Bank grew through major acquisitions on the East Coast, each bringing its own routing number infrastructure:
| Year | Acquisition | States Added |
|---|---|---|
| 2005 | Banknorth Group | New England states |
| 2008 | Commerce Bancorp | NJ, DE, PA, NY, FL |
Rather than forcing customers through the disruption of changing routing numbers and updating all automatic payments, TD Bank preserved the regional routing numbers post-acquisition. This explains why NJ/DE shares 031201360 (Commerce Bancorp’s legacy number) while New England states use different numbers from Banknorth.
Routing Number Uses
| Use | Routing Number Type |
|---|---|
| Direct deposit (paycheck) | State-specific ACH number |
| Bill autopay | State-specific ACH number |
| External bank transfer | State-specific ACH number |
| Order personal checks | State-specific ACH number |
| Domestic wire transfer | 031101266 (all states) |
| International wire transfer | SWIFT: TDOMCATTTOR |
TD Bank Routing Numbers vs. Competitors
| Bank | Routing Numbers | Notes |
|---|---|---|
| TD Bank | 12+ by state | East Coast only, legacy acquisitions |
| Chase | 30+ by state | Nationwide |
| Bank of America | Multiple by state | Nationwide |
| Capital One | 1 primary | Fewer state variations |
| Ally | 1 | Online-only |
Multi-number routing is common among banks that expanded through acquisition rather than organic growth. If you have accounts at multiple banks, keep a record of each institution’s routing number to avoid ACH errors.
ACH vs. Wire vs. SWIFT: When to Use Each
| Transfer Type | Routing # | Speed | Cost | Best For |
|---|---|---|---|---|
| ACH (direct deposit) | State number | 1–3 business days | Free | Payroll, recurring payments |
| ACH (external transfer) | State number | 1–3 business days | Free | Moving money between banks |
| Domestic wire | 031101266 | Same day | $30 (out) | Large urgent transfers |
| International wire | SWIFT: TDOMCATTTOR | 2–5 business days | $50 (out) | Overseas payments |
| Zelle | Not needed | Instant | Free | Person-to-person |
For most everyday uses — direct deposit setup, bill pay, bank account linking — use the state-specific ACH routing number. Only use 031101266 and the SWIFT code when instructed by a bank or institution for a wire.
For full TD Bank fee details including wire transfer costs, overdraft charges, and monthly fees, see the complete fee guide. For ATM withdrawal limits by account type, see the TD Bank ATM limit guide.
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