You're standing in a busy Manhattan office, or maybe you're just sitting on your couch in Queens, trying to set up a direct deposit or wire some cash to a friend. You need that nine-digit string of numbers. Specifically, you need the TD Bank routing number NYC uses, and you need it fast. But here is the thing: if you just grab the first number you see on a random Google snippet, you might actually be making a massive mistake that bounces your payment.
Banking is weirdly regional.
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Most people assume a massive bank like TD—which calls itself "America's Most Convenient Bank"—would just have one universal number for the whole country. Nope. Not even close. Routing numbers, or ABA numbers, are basically the digital "address" for the specific vault where your account technically lives. If you opened your account in a Midtown branch, your "address" is different than someone who opened theirs in Philly or Boston.
Why the TD Bank Routing Number NYC Matters More Than You Think
Getting this wrong isn't just a minor "oops" moment. If you use a New Jersey routing number for a New York-based account, your mortgage payment might fail. Your paycheck might vanish into the "pending" ether for three business days. Honestly, it's a huge headache that nobody has time for in 2026.
For the vast majority of personal and business checking accounts opened in New York City, the primary routing number is 026013673.
Write that down. Save it. But—and this is a big "but"—don't just blindly use it without checking one specific thing first. You have to know if you're doing a standard ACH transfer or a domestic wire transfer. Most people use these terms interchangeably, but banks don't.
The ACH vs. Wire Transfer Confusion
Basically, an ACH (Automated Clearing House) transfer is for things like your Netflix subscription, your direct deposit from work, or paying your electric bill. For those, 026013673 is your best friend in the five boroughs.
Wires are different. They're faster, they usually cost money, and they often require a different set of instructions. If you are receiving a domestic wire transfer into your NYC TD account, you actually use the exact same number mentioned above. However, if you are doing an international wire, everything changes. You'll need a SWIFT code, and that’s a whole different ballgame involving letters instead of just numbers.
Where to Double-Check Your Specific Number
Look at your checkbook. Seriously. It’s the most foolproof method.
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At the bottom of those paper checks you probably have buried in a kitchen drawer, there are three sets of numbers. The first set, on the far left, is your nine-digit routing number. The middle set is your account number. The final set is the check number.
If you don't have a checkbook? No problem. Log into the TD Bank mobile app. Once you click on your account, there is usually a "details" or "account info" tab. It will list your routing number right there. This is important because TD Bank has grown through dozens of acquisitions over the decades. If you had an account with a bank that TD bought ten years ago, your routing number might actually be an old legacy number that still works specifically for your "householded" account.
Common Scenarios in NYC
New York is a transient city. Maybe you moved from Jersey City to Brooklyn. You might think, "I'm still with TD, I'll just keep using my old info."
Don't.
If your account was opened in a New Jersey branch, you are likely tied to the NJ routing number (031201360). Even if you now live in a walk-up in Bushwick and go to the TD branch on Broadway every Saturday, your account is still "domiciled" in New Jersey. Using the NYC number for a Jersey-based account can cause the system to reject the transaction because the account number won't be found in the New York database. It sounds archaic because it is. Banking infrastructure is often just a bunch of 1970s code with a shiny 2026 app interface over the top.
The Official List for New York Transactions
To keep things simple, here are the numbers you are most likely looking for if you are dealing with TD Bank in the New York region:
- New York (NYC and State): 026013673
- New Jersey: 031201360
- Connecticut: 011103093
If you are doing a "Large Value" transfer or a specific corporate cash management transaction, some businesses use 021201443. But honestly, if you were a corporate treasurer, you'd probably already have this in a spreadsheet somewhere. For the average person living in Manhattan, the Bronx, Brooklyn, Queens, or Staten Island, stick to the main NYC number.
What Happens if You Use the Wrong Number?
Usually, one of two things.
First, the transaction simply fails immediately. Your employer’s payroll software might tell them the routing number and account number don't match. This is the "good" outcome because it's an easy fix.
The second outcome is much worse. The money goes into a "suspense account" at the bank. This is basically a digital purgatory where money sits when the bank knows it's for someone at TD, but they can't figure out exactly who. It can take weeks of phone calls and "let me speak to your supervisor" moments to get that money released.
A Note on International Transfers
If you're an expat living in NYC or you're sending money to a relative overseas, the routing number is only half the story. You will need the SWIFT/BIC code. For TD Bank in the U.S., that is generally TDBKUS33.
But wait, there's more. If you are receiving money from abroad, you also need to provide the intermediary bank information sometimes. TD Bank often uses larger clearing banks for international wires. Always go into the branch at somewhere like 2 Wall St or the Union Square location and ask for a "Wire Transfer Instruction Sheet." They have these printed out because they know how confusing it is.
Verifying for Security
Never, ever take a routing number from an unsolicited email or a random text message. Scammers love to give you "updated" routing info to divert your direct deposits. Only trust the official TD Bank website, your mobile app, or your physical checkbook.
Practical Steps for Your Next Transfer
- Check your origin: Where did you physically open the account? If it was in the city, use the NYC number.
- Confirm the type: Is it an ACH (standard) or a Wire? For TD in NYC, the number is the same for both, but it's good practice to verify.
- Do a "Penny Test": If you are setting up a major transfer, send $1 first. If it lands in 24 hours, you know your numbers are perfect.
- Update your records: Once you confirm it works, save it in your notes app or your password manager so you don't have to go hunting for it again in six months.
Banking in New York is fast-paced, and TD Bank’s presence is everywhere from the Upper West Side to deep into Brooklyn. While they make it easy to find a branch, the backend numbers require a little more precision. Use 026013673 for your New York-based accounts and you’ll generally be golden.
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Next Steps for Accuracy
To ensure your funds move without a hitch, log into your TD Bank Online Banking portal and navigate to the Account Summary page. Click on your specific checking or savings account and look for the "Show Details" link. This will display your specific routing number and your full account number, confirming whether your account is tied to the New York or New Jersey regional processing center. If you are expecting a wire transfer over $10,000, it is highly recommended to call the TD Bank customer service line or visit a local branch to confirm if any special intermediary instructions are required for your specific account type.