Ben Nguyen 
A routing number is a series of digits that helps unlock every electronic banking transaction you’ll ever make. This guide explains what TD Bank routing numbers are, why they matter, where to find them, their various uses, and common questions surrounding TD routing numbers.
What Exactly is a TD Routing Number?
A routing number for a TD account is a nine-digit code that identifies your specific branch and TD Bank as your bank, ensuring that banking transactions are directed to the correct account. All Canadian routing numbers contain:
- A 5-digit transit number identifying the specific branch
- A 3-digit institution number identifying the financial institution
Combining the transit number (XXXXX) with the 3-digit institution number (YYY) forms the TD routing number in the format: 0YYYXXXXX (electronic) or XXXXX-YYY (paper).
This number acts as your financial address for electronic transactions. When your employer sends your paycheque or the government deposits your tax refund, they use this routing number. Think of it like a postal code for your bank account, which ensures money does not land in someone else’s account at another bank.
Using your accurate TD routing number and other account details facilitates smooth transfers where money flows from payers to payees with minimal errors or delays.
Breaking Down TD Transit, Institution, and Account Number
Now that you know what a TD routing number is and why it matters, let’s look at what each component of a TD routing number means:
TD Institution Number
For TD Bank in Canada, the institution number is always 004. This identifier marks the transactions as belonging to TD to ensure they reach the right financial institution.
TD Transit Number
The 5-digit transit number, also known as the branch number, corresponds to the specific TD branch location where your account is held. This branch may differ from the one you frequently visit. The transit number helps identify the right location to send transactions related to your account.
For example, the transit number for the TD branch located at 4011 Rochdale Blvd in Regina, SK is 07629. The routing number for all accounts at this branch is 07629-004 or 000407629.
TD Account Number
In addition to directing funds to the proper bank and branch, transactions must reach your specific account. This is where the TD account number comes in – the unique identifier for each customer’s account at a particular branch. Account numbers are commonly seven digits long or more; if your account numbers are 6-digit, simply add a zero before the number.
With the account number identifying your account, the transit number pointing to the branch, and the institution number signalling TD, money flows smoothly to its destination.
Where to Find your TD Routing Number on a Cheque
One of the fastest ways is to look at the bottom of your TD cheque. You’ll notice a string of numbers and symbols. This is where you can locate the transit number and institution number 004 that, when combined, make up your routing number.
Just be careful not to confuse any other number on the cheque with your routing number. The individual cheque number is the only one that changes sequentially on each new cheque.
How to Get TD Routing Number Online
If you don’t have physical cheques, your next best option is to retrieve your routing number online.
TD EasyWeb or Mobile App
Log in to your EasyWeb online banking account or TD mobile app and navigate to account details or direct deposit forms. This will display the routing number of your chosen account. With a few quick clicks online, you can access your up-to-date routing number anywhere, anytime, no chequebook required.
TD Branch Locator
TD operates hundreds of branches across Canada, each with unique transit numbers. The TD branch locator tool on their website maps every location with corresponding transit numbers. Enter your address, postal code or city to find nearby branches and their routing codes.
Rural branches often share transit numbers with the nearest major centre. If your local branch merged or closed, your transit number will likely have been transferred to the acquiring location.
If you have any trouble finding your number using the above options, your final failsafe is to call TD customer service or visit your branch directly. A banking specialist can provide your correct banking details.
How Do TD Transit Numbers Vary by Province?
TD assigns the fifth digit of your transit number based on your geographical location, not random selection. The geographical coding system works as follows.
| Province | Fifth digit of transit code |
|---|---|
| British Columbia, Yukon | 0 |
| Western Quebec | 1 |
| The GTA and surrounding area | 2 |
| Nova Scotia, Prince Edward Island, Newfoundland (excluding Labrador) | 3 |
| New Brunswick | 4 |
| Eastern Quebec, including Labrador | 5 |
| The GTA and the surrounding area | 6 |
| Manitoba, North-Western Ontario | 7 |
| Saskatchewan | 8 |
| Alberta, Northwest Territories, Nunavut | 9 |
Some older cheques display only four digits for the transit number, while electronic systems now require all five. In this case, add your region’s geographical number to complete it. For example, a branch in AB with base number 1015 becomes 10159 when the full five digits are required. A Vancouver branch numbered 0004 becomes 00040. Never guess this digit.
When Do You Need a TD Routing Number in Canada?
Anytime you need to identify your account for transfers or payments, the TD routing number is required to keep things moving accurately.
Setting up Direct Deposit
Provide your routing number to the paying organization so that your pay, pension, or other regular deposits can be sent electronically to your TD account. Your employer’s payroll system will use your account details to wire the funds to the right place each pay period.
Paying Bills via Pre-Authorized Debits
Billers require your routing number to withdraw automatic payments from your TD account as agreed upon. When setting up monthly debits for utilities, memberships, loan payments, insurance premiums, or other recurring bills, give your routing number.
Transferring Funds Between Accounts
Sending money digitally, either within TD or externally, requires your routing number to identify where to pull the funds from and where to deposit them. The correct routing number ensures smooth digital transfers, whether sending or receiving money.
Wiring Money
Wire transfers use more specific routing numbers to urgently convey money. Provide the right domestic TD wire transfer routing number and your account number so funds get where they need to go quickly and reliably.
Accessing Online or Mobile Banking
Your routing number helps validate your identity when logging into Easyweb or TD mobile app. Entering your unique username and password and identifying account details provides secure access to manage your finances conveniently online.
TD Bank’s Routing Number vs. SWIFT Code: Domestic vs. International Transactions
It’s crucial to distinguish between routing numbers and SWIFT codes, as they serve entirely different networks.
- Routing Numbers: Used for transactions within Canada’s financial system.
- SWIFT Codes: Used for sending or receiving money from outside of Canada. A SWIFT code identifies the bank on a global scale.
TD Canada Trust’s SWIFT code for all incoming international wire transfers is TDOMCATTTOR. When receiving an international wire, you will need to provide the sender with the SWIFT code in addition to your transit and account numbers.
For TD Bank U.S.: Routing Number Types and Uses
TD Bank in the U.S. uses different numbers depending on the transaction:
ACH Routing Numbers
ACH stands for “Automated Clearing House,” which refers to electronic transfers such as direct deposit of your paycheque or pre-authorized bill payments. TD’s main ACH routing number is 054001769. However, branch-specific ACH numbers may also be used by employers or companies.
Wire Transfer Routing Numbers
Sending funds urgently over a wire transfer requires more specialized routing numbers:
- For domestic wire transfers within the U.S., the routing number is 11103093
- For international wire transfers, the routing number is 211274450
The SWIFT code NRTHUS33XXX for the U.S. branch is also required for international wire transfers to identify TD Bank.
The bottom line
As we have covered extensively, the TD routing number is an essential identifier for executing financial transactions seamlessly. Understanding what a TD routing number represents, where to locate it, and when you need it can help you take full control over managing your money.
With this information, you can now use your banking information with confidence, whether you’re paying bills, receiving your payroll deposit, sending wire transfers, or accessing online banking.
If you have any other questions about routing numbers or managing your accounts, the financial experts at LifeBuzz are here to help! Reach out anytime for professional advice on using routing numbers, direct deposits, bill payments, account management, and optimizing your banking experience in Canada.
More Guides on Canadian Bank Routing Numbers!
Looking for help on how to find and use Canadian bank routing numbers for all your banking needs? Check out our series on Canadian bank routing numbers:
- How to Find Your BMO Routing Number
- How to Find Your CIBC Routing Number
- How to Find Your RBC Routing Number
- How to Find Your Scotiabank Routing Number
Master your money with step-by-step routing number guides for all major Canadian financial institutions!
Frequently Asked Questions About TD Routing Numbers
Here are answers to some top questions about finding and handling TD Bank routing numbers in Canada:
What if I provide an incorrect routing number for a transaction?
If you notice a mistake, contact TD customer service as soon as you notice it. They can help diagnose issues and send funds to the proper account.
Is my TD routing number the same as my account number?
No, your account number is unique to your account at the branch. Your routing number identifies the branch itself and the broader financial institution. Account and routing numbers work together to direct funds.
Can I change my TD routing number without switching accounts?
TD routing numbers are tied specifically to branches, so you cannot change your number unless you open a new account at a different branch.
Do I need to provide a TD routing number for in-person banking?
Your physical client card or government ID is sufficient for in-branch services like cheque deposits or cash withdrawals, so no routing number is needed. However, having your routing number handy ensures accuracy for any electronic transactions.
Can I use a TD routing number to send or receive money internationally?
You need to use TD's specific international wire transfer routing number and SWIFT code along with your account details. This ensures your cross-border transfer happens smoothly.
What's the difference between a SWIFT code and a routing number for TD?
SWIFT codes identify the financial institution for international transfers and wire transfers. Routing numbers identify the domestic branch and account. For international wires with TD, you need both the SWIFT code and routing number.
Do I need to provide a TD routing number when paying bills in person at a TD branch?
No, when paying bills in cash or with a cheque at a TD branch you only need to provide the account number of the biller. No routing number is needed since it is an in-person transaction.
How can I verify if a routing number belongs to a valid TD branch?
To verify if a TD routing number is valid, confirm it starts with a 5-digit transit number and ends in '004' for the institution number. You can also call TD customer service and provide the routing number in question to validate which branch it belongs to.
