What is TD bank routing number and how do you get it? What is the usefulness? Which bank offers and what do customers need it.? This post will clear your doubt routing number and why TD bank offers a different routing number across all locations.
What is Routing Number?
A routing number is made of 9 digits code to identify each bank different from the bank name. The routing number is also called routing transit numbers, ABA routing numbers, or RTNs. The federal reserve banks need these routing numbers from respective bank to process Fedwire funds transfers.
The ACH network also uses the routing number to process funds transfer electronically such as wire deposits or direct deposits and bill payments.
Routing Number VS Swift Codes VS IBANS
A routing number is a unique number to identify bank when processing domestic ACH payment or wire transfer. The routing number is only applicable to the United State bank sector. So, if you are transferring fund from the United State to other friends in another country, you do not need the routing number.
Swift codes, on the other hand, is similar to the routing number to identify banks and other financial institutions. However, the swift codes are needed to receive an international wire transfer. For instance, if you are a Nigerian and you want to receive a wire transfer from the United State you will need to provide your local bank swift codes. The swift code is also referred to as BIC codes.
IBANs as popularly called is called “International bank account numbers” which is used to identify individual account number. The IBANs are popular in Europe and some other countries have started adopting it.
Uses of Routing Number
Why do you need the routing number so badly? Here are some of the reasons.
- Set up a direct deposit, or pay bills automatically from your TD Bank account.
- Have payments like a salary or pension deposited into your account.
- Pay in a check.
- Make a wire transfer or ACH payment to someone in the US.
What is TD Bank Routing Number?
TD bank routing number is a 9 digits code to identify TD bank and process electronic fund transfer, direct deposits and bill payments and to identify banks by the federal reserve bank to identify each bank and to process Fedwire fund transfer. The routing number is divided into three which are savings or check routing number, wire transfer routing number, and ACH network routing number.
Both the local and international banks have a routing number. Locally, the routing number can be referred to as swift code.
TD Bank Check Routing Number
TD bank check routing number is located at the bottom left of your TD bank check before the account number. The routing number can be used to clear check at any TD bank branch. However, an alternative way to find my TD bank routing number is by calling TD bank customer care service on 888-751-9000 and ask for your account routing number.
TD Bank Wire Transfer Routing Number
TD bank wire transfer routing number is different from TD bank savings or check routing number. However, TD Bank offers a unique routing number to transfer fund internationally mainly for wire transfer.
However, international wire transfer is referred to as a swift code and it’s needed when you are expecting fund to be transferred to your account from the US.
If you are initiating a wire transfer internationally, here is the list of routing number to be used.
| Type of wire transfer | TD Bank routing number |
|---|---|
| Domestic Wire Transfer | 031101266 |
| International Wire Transfer to TD Bank account in the USA | 031101266 |
| SWIFT Code | NRTHUS33XXX |
ACH Network Routing Number
An ACH routing number has to be included when you are sending an ACH transfer to any TD bank of your choice. It’s this TD bank routing number that will help to identify the bank alongside your TD bank account number for the fund to be successfully transferred.
You can also send ACH fund domestically. The routing number is different from location to location. As it were, TD bank has more than 20 branches with the different routing number for different customers in the locations.
TD Bank Routing Number
Here is all TD bank routing number you need for your transaction.
| State | TD Bank routing number | State | TD Bank routing number |
|---|---|---|---|
| TD Bank Connecticut | 011103093 | TD Bank Florida | 067014822 |
| TD Bank Maine | 211274450 | TD Bank Massachusetts | 211370545 |
| TD Bank Rhode Island | 211370545 | TD Bank Metro District of Columbia | 054001725 |
| TD Bank Maryland | 054001725 | TD Bank Virginia | 054001725 |
| TD Bank New Hampshire | 011400071 | TD Bank New Jersey | 031201360 |
| TD Bank Delaware | 031201360 | TD Bank New York – Metro NYC | 026013673 |
| TD Bank New York – Upstate NY | 021302567 | TD Bank North Carolina | 053902197 |
| TD Bank South Carolina | 053902197 | TD Bank Pennsylvania | 036001808 |
| TD Bank Vermont | 011600033 |
Always confirm your routing number before you make ACH fund transfer to any TD bank. Also, confirm your check routing number or call TD bank customer service to confirm your routing number. Your routing number is different from your account number.