What Is TD Bank’s Routing Number?

Last updated 04/16/2024 by

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Summary:

Discover the method to locate your TD Bank routing number and grasp its significance in digital banking transactions. Explore TD Bank’s region-specific routing numbers and access a comprehensive guide to commonly asked questions regarding routing numbers.

TD Bank uses routing numbers to ensure that your money is transferred accurately and efficiently. These numbers function as a unique identifier for your transactions, guiding your funds to the correct destination. TD Bank’s approach to banking is straightforward, and their use of routing numbers reflects this simplicity. Let’s explore how their routing numbers work.

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What is the TD Bank routing number for wire transfers?

TD Bank’s wire routing number is 054001725 (Virginia, Maryland, and DC)

What is the TD Bank’s routing number?

TD Bank has multiple routing numbers (see below for list). The routing number for Virginia, Maryland and DC is 054001725.

Why a bank might have multiple routing numbers

In the context of incoming wire transfers, a bank’s routing number remains consistent, regardless of whether the transaction is domestic or international. This routing number serves as a unique identifier for the bank, allowing the sending institution to route the funds to the correct destination. Think of it as the bank’s “address” within the broader financial network.

However, it’s important to note that banks may have multiple routing numbers for various purposes. While the primary routing number remains the same for incoming wire transfers, financial institutions may use different routing numbers for other transactions, such as ACH transfers or direct deposits. These different routing numbers help banks categorize and process various types of transactions efficiently.

Additionally, when you examine a physical check issued by a bank, you may notice that it includes a routing number that differs from the primary routing number used for wire transfers. This is because checks often have region-specific or branch-specific routing numbers. These state or branch-specific routing numbers help in routing checks to the correct local branch for processing. This practice allows banks to streamline their check-clearing processes and ensure that funds reach the correct accounts promptly.

International wire transfers

For international wire transfers, you’ll need to use a SWIFT code instead of a routing number. SWIFT stands for Society for Worldwide Interbank Financial Telecommunication. TD Bank’s SWIFT Code is TDOMCATTTOR.

What is the TD Bank SWIFT code?

The TD Bank SWIFT Code is TDOMCATTTOR.

What is a routing number?

The concept of routing numbers in the United States dates back to 1910, introduced by the American Bankers Association (ABA). This initiative aimed to address the confusion prevalent in the processing of checks at that time. The ABA organized a meeting of clearing house managers in Chicago in December 1910, which led to the formation of a committee tasked with assigning unique numbers to each bank in the country. These routing numbers provided a precise identification for banks, akin to a street address or an IP address.

The importance of routing numbers is twofold

Identification of Financial Institutions

Routing numbers act as unique identifiers for financial institutions. This role became increasingly important with the rise of paper check processing. The use of routing numbers made it simpler to identify which banks were issuing payments on checks, streamlining the transaction process.

Facilitating Payment and Clearing Processes

The routing number system played a crucial role in ensuring accurate and efficient financial transactions. It enabled banks to correctly pay patrons on behalf of check-writers. If a check was unfulfillable, the routing number guided the involved parties to the appropriate bank for payment resolution. This improved the efficiency and accuracy of financial transactions, especially when paper checks were the primary non-cash payment method.

Routing numbers and what they mean

Bank routing numbers consist of a nine-digit sequence and are commonly located at the base of personal checks. Each digit within this code carries a specific significance in identifying financial institutions and their locations. This numerical string facilitates the accurate processing and clearance of financial transactions.

First two digits	Identify the bank or credit union responsible for clearing financial transactions
Next two digits	Represent the bank’s processing center and its location
Next four digits	Serve to identify your bank
Last digit	Acts as the check digit, verifying the routing number’s validity

Pro Tip

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TD Bank routing numbers by state

Not all TD routing numbers are identical — the specific number used can vary based on the type of transaction being conducted. Whether you’re setting up a wire transfer, managing bill payments, or engaging in other types of banking transactions, it’s crucial to use the correct TD Bank routing number tailored to your specific needs.

TD BANK STATE LOCATION	TD BANK ROUTING NUMBER
Connecticut	011103093
Florida	067014822
Maine	211274450
Massachusetts/Rhode Island	211370545
Washington, D.C./Maryland/Virginia	054001725
New Jersey/Delaware	031201360
New York (Metro NYC or former Commerce customers)	026013673
New York (Upstate NY or former Banknorth customers)	021302567
North Carolina/South Carolina	053902197
Pennsylvania	036001808
Vermont	011600033

How to Find Your TD Bank Routing Number

Discovering your TD Bank routing number is simple. Follow these steps to easily locate it:

Check Your Checkbook: The quickest way to find your TD Bank routing number is by looking at your checks. It’s the nine-digit number on the bottom left corner.
TD Bank Online Banking or Mobile App: For a digital approach, log into your TD Bank online banking or use the mobile app. Your routing number is typically shown on the account summary page.
TD Bank’s Website: Visit TD Bank’s official website, which may provide a routing number search tool. This is especially useful if you know the state where your account was opened.
Bank Statements: Your TD Bank account statements often list the routing number on the first page. Check your latest statement for this detail.
Contact Customer Service: If you need more help, TD Bank’s customer service is ready to assist. They can provide the routing number, but you might need to confirm your identity for security reasons.

FAQ

How can I find a TD Bank branch or ATM near me?

Locate the nearest TD Bank branch or ATM using the branch locator tool on TD Bank’s website or mobile app. Just input your zip code or city and state to view a list of nearby locations, complete with addresses and hours of operation.

What are the options for customer support at TD Bank?

For customer support, TD Bank offers several options: you can call their customer service line (details available on their website), visit a local branch for face-to-face assistance, or use the live chat feature on the TD Bank mobile app or website.

Can I set up account alerts with TD Bank?

Yes, TD Bank allows you to set up and manage various alerts for your account through their online banking portal or mobile app. These alerts can keep you informed about your account balance, transactions, and other significant activities.

How do I sign up for TD Bank online banking?

To sign up for TD Bank online banking, visit their website and choose the ‘Sign Up for Online Banking’ option. You’ll need your account number and Social Security Number (SSN) or Tax Identification Number (TIN) to complete the process.

Does TD Bank offer mobile check deposit?

Yes, TD Bank provides mobile check deposit through their banking app. You can deposit checks by snapping a photo of both sides of the endorsed check and following the app’s instructions.

What should I do if I misplace my TD Bank debit or credit card?

If you lose your TD Bank debit or credit card, report it as soon as possible through the TD Bank mobile app, online banking, or by contacting their customer service. They will help secure your account and issue a replacement card.

How can I learn about TD Bank’s latest offers and promotions?

To keep up with TD Bank’s latest offers and promotions, check their website, sign up for their newsletters, or follow TD Bank on social media. You can also ask about current promotions at your local TD Bank branch.

Key takeaways

TD Bank uses unique state-specific routing numbers for efficient and accurate processing of financial transactions like wire transfers and ACH payments.
The specific routing number for TD Bank wire transfers is 054001725, which is consistent across states, differing from other transaction types.
For international wire transfers, TD Bank’s SWIFT code TDOMCATTTOR is used instead of a routing number, facilitating global financial transactions.
Routing numbers, introduced in 1910, are crucial for identifying financial institutions and streamlining payment processes, reflecting the importance of these codes in modern banking.

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