TD Bank routing number

TD answers this in one line: “Your TD Bank routing number is based on where you opened your account.” If you have moved or the account history is unclear, confirm the number in Account Details rather than using your current address.

1. 1

   Read the cheque

   TD: “the first set of numbers on the bottom left of your TD Bank check”.

2. 2

   Open the TD app or Online Banking

   Account Details shows the routing number for that account.

3. 3

   Check a statement

   The same number is printed there if you have no cheques.

4. 4

   Call TD

   Customer service runs 24/7 on 1-888-751-9000.

TD’s direct-deposit form asks for the account number, routing number, and whether the account is checking or savings. Eligible employer payroll can also be enrolled digitally in the TD app or Online Banking without filling out the form.

TD publishes twelve routing numbers, while the repository ACH snapshot lists forty under TD Bank, N.A. FDIC records show earlier charter names including Penobscot Savings Bank, Peoples Heritage, BankNorth and TD Banknorth, but neither FDIC nor TD maps those names to the extra twenty-eight snapshot entries.

Ten snapshot entries begin 21 or 26, including the Massachusetts and Maine numbers TD currently publishes. The Federal Reserve key associates a leading 2 in Districts 1 through 9 with thrifts and credit unions. That numbering rule does not establish which predecessor produced any TD entry.

TD accepts direct deposits into Checking, Statement Savings and Statement Money Market accounts.

Cutoff

Electronic deposits count as received that day before 11:00 p.m. ET on a business day

Availability

Electronic deposits are available the same day they are received

TD Early Pay

Eligible payroll, pension and benefit deposits may land up to two business days early, free

Not eligible

Zelle, cheque and mobile deposits, other online transfers

Federal benefits need more: the Social Security or claim number, the twelve-digit number in the top right of the benefit cheque, the cheque amount, and the account and routing numbers.

A recurring ACH debit can be stopped, but only ahead of time. TD requires the request “at least three (3) Business Days prior to the regularly scheduled payment date”, charges a fee set in its Personal Fee Schedule, and takes it in a store, on 1-888-751-9000, or in Online Banking.

One mismatch worth ruling out: the Fed’s directory carries two other TD filings — TD Bank USA, N.A., a separate FDIC-insured charter with three routing numbers, and a two-number “TD Bank, NA – Paycard Only” record. Both are filed as separate institutions.

A routing number is domestic. The Federal Reserve publishes FedACH and Fedwire participants as two separate lists, so the number that works for a direct deposit is not automatically the one a wire should quote. Ask for the wire instructions TD shows in Online Banking.

TD’s agreement is candid about the rest: a foreign-currency wire “will be converted at our rate of exchange on the day the transaction completed and we may earn revenue on this exchange”, on top of a fee it may charge on any incoming wire.

TD’s agreement does not state a fixed exchange rate or incoming-wire fee amount. Obtain the current wire instructions, fee and rate from TD before the sender authorizes the transfer.