TD Bank’s routing number depends on the state where you opened your account — the most common are 031201360 (New Jersey/Delaware), 011103093 (Connecticut), 211370545 (Massachusetts/Rhode Island), 026013673 (New York City metro), and 067014822 (Florida). For domestic wire transfers, all TD Bank customers use the same number: 031101266. For international wires, the SWIFT code is TDOMCATTTOR. TD Bank operates exclusively on the East Coast in 15 states plus DC, and your routing number is permanently tied to the state where you opened your account — even if you move. For routing numbers at all major banks, see routing numbers by bank.
TD Bank Routing Numbers by State
Use the state where you opened your account — not where you currently live or bank. If you moved after opening your account, your original routing number still applies unless you opened a new account in the new state.
| State | Routing Number |
|---|---|
| Connecticut | 011103093 |
| Delaware | 031201360 |
| District of Columbia | 054001725 |
| Florida | 067014822 |
| Maine | 211274450 |
| Maryland | 054001725 |
| Massachusetts | 211370545 |
| New Hampshire | 011400071 |
| New Jersey | 031201360 |
| New York (NYC Metro) | 026013673 |
| New York (Upstate) | 021302567 |
| North Carolina | 053902197 |
| Pennsylvania | 036001808 |
| Rhode Island | 211370545 |
| South Carolina | 053902197 |
| Vermont | 011600033 |
| Virginia | 054001725 |
TD Bank is a subsidiary of Toronto-Dominion Bank, Canada’s second-largest bank. Its US routing numbers vary because TD Bank grew through acquisitions — Commerce Bancorp (2008) in the Mid-Atlantic and Banknorth Group (2005) in New England — and retained the legacy routing numbers from each regional bank. New York customers should note the split: NYC Metro uses 026013673 while Upstate New York uses 021302567. If you’re unsure which applies, check the TD Bank app or call 1-888-751-9000. For context on how TD Bank compares in size to other US banks, see biggest banks in America.
TD Bank Wire Transfer Routing Number
The wire routing number and SWIFT code are the same for all TD Bank customers regardless of state. Never use your state-specific ACH number for a wire transfer — wires require the dedicated routing number.
| Transfer Type | Routing/SWIFT Number |
|---|---|
| Domestic wire transfer | 031101266 |
| ACH / direct deposit | State-specific (see table above) |
| International wire (SWIFT code) | TDOMCATTTOR |
For receiving an international wire transfer into your TD Bank account, provide the sender:
| Information | Details |
|---|---|
| SWIFT/BIC code | TDOMCATTTOR |
| Bank name | TD Bank, N.A. |
| Bank address | 1701 Route 70 East, Cherry Hill, NJ 08034 |
| Your account number | Your full TD Bank account number |
| Your name and address | As it appears on your TD Bank account |
TD Bank’s SWIFT code (TDOMCATTTOR) reflects its Canadian parent company, Toronto-Dominion. This is particularly useful for US customers receiving transfers from Canada — transactions between TD Bank US and TD Canada Trust move through TD’s shared international network and can be faster than transfers between unrelated banks. International wires typically take 1–5 business days. For timing and cost expectations, see wire transfer time and wire transfer limits.
How to Find Your TD Bank Routing Number
1. TD Bank Mobile App
Open the TD Bank app → select your checking or savings account → tap “Account details.” Your routing number is displayed alongside your account number.
2. TD Bank Online Banking
Log in at tdbank.com → click your account → find “Routing/ABA number” in the account details section. Both the routing number and full account number are shown.
3. On a Paper Check
The first 9 digits on the bottom-left of any TD Bank check are the routing number, followed by your account number and then the check number. The order is always: routing number | account number | check number. For a general guide to reading checks, see how to find your routing number.
4. Customer Service
Call TD Bank at 1-888-751-9000 (available 24/7). A representative can verify your routing number after completing identity verification.
5. Visit a Branch
TD Bank is known as “America’s Most Convenient Bank” for its extended hours — most branches are open seven days a week, typically 8am–8pm on weekdays and reduced Saturday/Sunday hours. A banker can look up your routing number in person.
Which Routing Number Do I Need?
| Transaction | Which Number to Use |
|---|---|
| Direct deposit from employer | State-specific ACH number |
| IRS tax refund | State-specific ACH number |
| Social Security or government benefits | State-specific ACH number |
| Bill pay / autopay | State-specific ACH number |
| Linking to Zelle or Venmo/PayPal | State-specific ACH number |
| Domestic wire (sending or receiving) | 031101266 |
| International wire | SWIFT: TDOMCATTTOR |
| Transfers to/from TD Canada Trust | Contact TD Bank cross-border team |
The most common mistake is using the wire routing number (031101266) for direct deposit — this will cause the direct deposit setup to fail or return the funds. Always use your state-specific ACH number for payroll, recurring payments, and bill pay. For how long it takes direct deposits to arrive once correctly set up, see when direct deposit hits. For ACH transfer timing, see ACH transfer time.
ACH vs. Wire Transfers at TD Bank
| Feature | ACH Transfer | Wire Transfer |
|---|---|---|
| Routing number | State-specific | 031101266 |
| Speed | 1–3 business days | Same day (if before cutoff) |
| Cost (outgoing domestic) | Free | $25–$30 |
| Cost (outgoing international) | N/A | $40–$50 |
| Reversible | Yes (limited window) | No — irrevocable |
| Best for | Payroll, bills, routine transfers | Large or time-sensitive payments |
ACH transfers cover nearly all everyday banking needs for free — direct deposit, bill pay, and routine ACH transfers. Wire transfers are faster and irrevocable: once sent, they cannot be recalled. Use wires only when required (real estate closings, large time-sensitive payments) or when the recipient specifically requires it. For TD Bank ATM limits and cash access, see the dedicated guide. For the full breakdown of what TD Bank charges, see TD Bank fees.
TD Bank’s Convenience Features
TD Bank differentiates itself primarily through branch accessibility and extended hours, which matters if you prefer in-person banking alongside digital tools.
| Feature | TD Bank |
|---|---|
| Branch hours (weekdays) | Typically 8am–8pm |
| Saturday hours | Open at most locations |
| Sunday hours | Open at many locations |
| ATM network | 2,600+ ATMs |
| States served | 15 + DC (East Coast only) |
| Mobile banking | Full-featured app (4.6/5 iOS) |
| Coin counting | Free Penny Arcade machines for customers |
| Cross-border banking | US/Canada cross-border services via TD parent |
For customers outside the East Coast or those who prefer higher savings rates and no fees, best online banks and banks vs. credit unions offer useful comparisons. For the full picture of how TD Bank’s fees stack up against other large banks, see bank fees comparison.
Quick Reference Summary
| Question | Answer |
|---|---|
| How many routing numbers does TD Bank have? | ~16 (one per state, two for NY) |
| Wire transfer routing number | 031101266 |
| SWIFT code (international wires) | TDOMCATTTOR |
| Where does TD Bank operate? | East Coast — 15 states + DC |
| Does it change if I move? | No — tied to where you opened the account |
| Fastest way to verify | TD Bank app → Account details |
| Customer service | 1-888-751-9000 (24/7) |
For everything else related to routing numbers and bank transfers, see what is a routing number, routing number vs. account number, how to find your routing number, wire transfer time, ACH transfer time, best checking accounts, and best savings accounts.
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