You’re staring at a screen, trying to set up a direct deposit or wire some cash, and there it is: that empty box asking for a nine-digit code. It feels like a tiny thing, but get one digit wrong and your money ends up in a digital void for three days. If you’re looking for the TD Bank NH routing number, you probably think there's just one.
Most people don't realize that routing numbers are basically the GPS coordinates for your money. They tell the Federal Reserve exactly which "bus stop" your cash needs to get off at. For a bank as big as TD—which swallowed up everything from Banknorth to Commerce Bank over the years—those numbers are actually tied to where you originally opened the account.
It's kinda weird when you think about it. You can walk into a branch in Concord today, but if you opened your account in Portland a decade ago, your routing number might not actually be the New Hampshire one.
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Why Your TD Bank NH Routing Number Isn't Always What You Think
Banks are like onions. They have layers of mergers and acquisitions that date back decades. TD Bank, N.A. (the "N.A." stands for National Association, by the way) grew massive by buying up local legends like New Hampshire’s own Banknorth. When these mergers happen, the routing numbers often stay attached to the old geographic regions to avoid breaking everyone's existing checks and autopays.
The primary TD Bank NH routing number for most accounts opened in the Granite State is 011401533.
But wait. There is always a "but" with banking.
If you are handling a domestic wire transfer—meaning you're sending or receiving a large sum of money within the U.S.—the number changes. For wires, TD generally uses a centralized wire routing number: 026013673. If you use the standard 0114 number for a wire, it might get rejected, or worse, sit in a manual processing queue while some poor soul at the bank tries to figure out where it belongs.
Honestly, it’s a mess if you aren't careful.
Checking Your Paper Trails
The absolute most "source of truth" way to find your specific number isn't Google. It’s that dusty book of checks sitting in your kitchen drawer. Look at the bottom left corner of your check. You’ll see three sets of numbers.
- The first nine digits? That's your routing number.
- The middle set? That’s your account number.
- The last short set? That’s just the check number.
If you don't use paper checks—and let’s be real, most of us under 50 don't—you have to dig into the app. Log into the TD Bank mobile app, tap on your account, and look for "Account Details." It’s usually tucked away under a "see more" or an "info" icon.
The Difference Between ACH and Wire Transfers
This is where people usually trip up and end up paying a $30 "returned item" fee.
ACH (Automated Clearing House) is for things like your paycheck, your Netflix subscription, or paying your electric bill. For these, the TD Bank NH routing number (011401533) is usually your go-to. It’s a slower system, but it's the backbone of American retail banking.
Wires are the Ferraris of the banking world. Fast. Expensive. Unforgiving. If you're buying a house or sending a few thousand bucks to a relative, you're likely using a wire. For these, you almost always need that specialized wire routing number mentioned earlier.
Why the distinction? Basically, the ACH system and the Fedwire system are two different sets of pipes. The 0114 number is the "local" pipe for New Hampshire. The 0260 number is the "express" pipe that feeds directly into TD’s main clearing hub.
What Happens if You Use the Wrong One?
Usually, nothing catastrophic. The bank will realize the number is a TD number, but it’s for the "wrong" region. They might manually move it. Or, if their system is feeling particularly grumpy that day, they’ll bounce the transaction.
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If it bounces, you’re looking at a delay of 3 to 5 business days. In a world where we expect instant gratification, five days feels like an eternity. Especially if it's your mortgage payment.
Nuance Matters: The "Account Opened" Rule
Here is the secret that most bank tellers don't even explain clearly: your routing number is tied to the location where you opened the account, not where you currently live.
Say you lived in Manchester, NH, in 2018 and opened your TD account there. You used the NH routing number. Then you moved to Boston. You still use the NH routing number. You move to Florida? Still the NH routing number.
The only way your routing number changes is if you close that account and open a brand new one in your new state. It’s a legacy system that feels outdated in 2026, but that’s how the American banking infrastructure is built. It’s all about those original "routing" paths established when the account was born.
Security and Routing Numbers
I get asked this a lot: "Is it dangerous if someone has my routing number?"
Sorta, but not really. Your routing number is public information. I just gave it to you in this article. Every check you’ve ever handed to a stranger has your routing number and your account number printed right on the front.
By itself, a routing number is useless to a hacker. They need your account number and some form of authorization to do any damage. However, you should still treat your full banking details with respect. Don't go texting screenshots of your checks to people you don't know.
Real-World Examples of When to Use Which Number
Let's break this down into actual scenarios so you don't have to guess.
- Setting up Direct Deposit for a job in Nashua: Use the standard NH routing number (011401533).
- Paying your credit card bill online: Use the standard NH routing number.
- Receiving an inheritance via Wire Transfer: Use the TD Bank Wire routing number (026013673).
- Connecting your account to Venmo or PayPal: Use the standard NH routing number.
If you are ever in doubt, TD Bank’s customer service line is actually pretty decent. You can call them at 1-888-751-9000. Just be prepared to answer a few security questions about your first pet or your mother's maiden name before they give you the goods.
The New Hampshire Advantage
TD Bank has a massive footprint in New Hampshire. From the seacoast up to the North Country, they are everywhere. Because of this, their NH-specific routing systems are actually quite robust. They handle a huge volume of transactions, meaning the 011401533 number is very well-recognized by other institutions like Fidelity or local credit unions.
Actionable Steps to Take Right Now
Don't just read this and hope you remember it later. Banking errors are a headache you don't need.
First, verify your account's "home" state. If you opened it in New Hampshire, you are likely using the 011401533 routing number.
Second, if you're doing anything other than a standard bill pay or direct deposit, confirm the "Wire" vs "ACH" requirement. Sending a wire with an ACH routing number is the number one cause of "Where is my money?" phone calls.
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Third, save these numbers in a secure note on your phone or in your password manager. Label them clearly: "TD NH ACH" and "TD Wire."
Finally, always do a "test" transaction if you're moving a massive amount of money to a new recipient. Send $5 first. If it shows up, the pipes are clear. Then send the rest. It’s a simple trick that has saved people thousands in lost time and stress.
Check your mobile app one last time before hitting "submit" on any transfer. Look for the "Routing Number" field specifically. If it matches 011401533 and you're in the Granite State, you're usually good to go.