TD Bank’s Zelle limit is typically $1,000 per day for standard accounts, rising to $2,500/day for TD Beyond Checking. Outgoing ACH transfers top out at $2,500/day. For wire transfers, all states use the same routing number — 031101266 — with a $30 domestic wire fee. The SWIFT code for international wires is TDOMCATTTOR.
TD Bank Transfer Limits by Type and Account
| Transfer Type | TD Simple / Convenience | TD Beyond Checking |
|---|---|---|
| Zelle — Daily | $1,000 | $2,500 |
| Zelle — Monthly | $5,000 | $10,000 |
| ACH Outgoing — Daily | $2,500 | $5,000 |
| ACH Incoming — Daily | $5,000 | $10,000 |
| Wire — Domestic Online | Up to $50,000 | Up to $50,000 |
| Wire — International Online | Up to $25,000 | Up to $25,000 |
| Internal TD-to-TD Transfer | Unlimited | Unlimited |
Limits reflect typical ranges. Call TD customer service at 1-888-751-9000 (24/7) to confirm your exact limits.
TD Bank Routing Numbers: Quick Reference
TD Bank uses different routing numbers by state for ACH and direct deposit. Wire transfers use a single nationwide routing number.
| State | Routing Number |
|---|---|
| Connecticut | 011103093 |
| Delaware | 031201360 |
| Florida | 067014822 |
| Maine | 211274450 |
| Maryland / DC / Virginia | 054001725 |
| Massachusetts / Rhode Island | 211370545 |
| New Hampshire | 011400071 |
| New Jersey | 031201360 |
| New York (NYC metro) | 026013673 |
| New York (upstate) | 021302567 |
| North Carolina / South Carolina | 053902197 |
| Pennsylvania | 036001808 |
| Vermont | 011600033 |
| Wire transfers — all states | 031101266 |
| SWIFT code — international | TDOMCATTTOR |
How to find your routing number: Open the TD Bank app → select your account → tap Account Details. It also appears as the first 9 digits on the bottom-left of your paper checks.
TD Bank Wire Transfer Fees
| Wire Type | Fee |
|---|---|
| Outgoing domestic wire | $30.00 |
| Outgoing international wire | $50.00 |
| Incoming wire (domestic or international) | $15.00 |
TD Beyond Checking customers should confirm current wire fee discounts with customer service.
How to Send a Zelle Payment with TD Bank
- Open the TD Bank Mobile app
- Tap Send Money → Zelle
- Enter the recipient’s US mobile number or email address
- Enter amount (up to your daily Zelle limit) and an optional note
- Confirm and send — enrolled recipients receive funds within minutes
Canceling: Zelle payments sent to already-enrolled recipients cannot be canceled. If the recipient is not yet enrolled, you can cancel before they register. For unauthorized Zelle transfers, call 1-888-751-9000 immediately.
How to Send an ACH Transfer with TD Bank
- Log into TD Bank Online Banking or the app
- Navigate to Transfer Funds → External Transfers
- Add the external account (routing and account numbers required; micro-deposit verification takes 1–3 days)
- Set amount (up to your daily ACH limit) and transfer date
- Standard delivery: 1–3 business days
How to Wire Money from TD Bank
- Log into TD Bank Online Banking
- Go to Payments & Transfers → Wire Transfers
- Enter recipient details:
- Bank name and full address
- ABA routing number 031101266 (domestic) or bank’s SWIFT code (international)
- Recipient’s account number
- Transfer amount and purpose
- Domestic wire cutoff: 5:00 PM ET for same-business-day credit
- International cutoff: 4:00 PM ET
TD Bank Transfer Limits vs. Competitors
| Bank | Zelle Daily Limit (Standard) | Domestic Wire Fee |
|---|---|---|
| TD Bank | $1,000 | $30 |
| Chase | $2,000 | $35 |
| PNC | $1,000 | $30 |
| Wells Fargo | $3,500 | $30 |
| US Bank | $1,500 | $30 |
| Citi | $2,000 | $25 |
TD Bank’s $1,000 standard Zelle limit matches PNC’s and is below Chase, Wells Fargo, and Citi. Upgrading to TD Beyond Checking raises the Zelle limit to $2,500/day — the highest standard Zelle limit among the banks in this comparison.
See the full TD Bank guide for fees, ATM limits, and routing numbers by state.
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