Getting Your TD Bank Maine Routing Number Right Without the Headache

You’re likely standing in a grocery store aisle or staring at a flickering laptop screen, trying to set up a direct deposit or wire some cash. You need that specific TD Bank Maine routing number, and you need it now. It’s one of those things you never think about until it’s the only thing standing between you and your paycheck. Honestly, banking is weirdly regional in ways that don't always make sense in our digital world. Even though TD Bank is a massive "America’s Most Convenient Bank" powerhouse, they still stick to the old-school geography of the American banking system.

The routing number is basically a digital address. It tells the Federal Reserve exactly where to send your money so it doesn't end up in a random account in Florida or New York. For Maine customers, that number is 011200022.

It sounds simple, right? Just nine digits. But if you get one digit wrong, your money enters a sort of purgatory. I've seen transfers bounce back after ten days because someone used the routing number for a TD account they opened while living in Massachusetts five years ago. It’s a mess.

Why Your TD Bank Maine Routing Number Actually Matters

Most people think a routing number is just a routing number. It's not. The TD Bank Maine routing number—that 011200022 we just mentioned—is specifically tied to the Maine franchise of what used to be People’s Heritage Bank. If you’ve lived in New England for a while, you remember those green signs. When TD Bank (originally Toronto-Dominion) bought up local banks, they inherited those specific routing codes.

They kept them for a reason.

The ABA (American Bankers Association) routing transit number (RTN) was designed back in 1910. It was meant to make sorting paper checks easier. Now, it’s the backbone of the ACH (Automated Clearing House) system. If you're setting up a lifestyle where you get paid via Venmo, Zelle, or a standard employer direct deposit, this number is the "handshake" between institutions. Without it, the system doesn't know which set of vaults—virtual or physical—to talk to.

The Maine vs. New Hampshire Trap

Here is where people usually trip up. Say you live in Kittery, Maine, but you work across the bridge in Portsmouth, New Hampshire. You might have walked into a branch in Portsmouth to open your account because it was convenient during your lunch break.

Guess what? You probably don't have a Maine routing number.

You likely have a New Hampshire one.

The routing number is almost always tied to the state where you originally opened the account. It doesn't matter if you moved to Portland three years ago and now only visit the Forest Avenue branch. If the paperwork started in another state, the routing number stays with that state's legacy system. This is a quirk of how TD Bank manages its back-end ledger. It’s kind of annoying, but that’s how the infrastructure is built. Always check your physical checkbook or the "Account Details" section of your mobile app to be 100% sure.

How to Find Your Specific Number When You're Stressed

Don't just take a random number from a Google search if you're sending a large wire transfer. While 011200022 is the standard for Maine, there are different types of routing.

1. The Check Method: Look at the bottom left corner of your checks. You'll see three sets of numbers. The first one is the nine-digit routing number. The second is your account number. The third is the check number.
2. The App Method: Log into the TD Bank mobile app. Tap on your account. Look for "Account Details" or "Info." It’s usually tucked away there.
3. The Paper Statement: If you still get those things in the mail, it's printed right at the top.

There is a weird distinction with wire transfers too. Domestic wires—sending money within the US—usually use that same ABA number. But if you’re receiving an international wire, you might need a SWIFT code (also known as a BIC). For TD Bank, that’s usually a different beast entirely, often involving their headquarters' clearing info.

Does it Change for Business Accounts?

Generally, no. If you’re a small business owner in Bangor or Bar Harbor, your TD Bank Maine routing number remains the same as the personal accounts. The "011" at the start of the number is actually a prefix that indicates the Federal Reserve district. For Maine, that’s the First District, headquartered in Boston.

Wait. Why is Maine's number starting with a code for Boston? Because the Federal Reserve treats all of New England as one big family, and Boston is the head of the table. Every bank in Maine, Vermont, Massachusetts, Rhode Island, and Connecticut falls under that First District umbrella.

Common Myths About Routing Numbers

I hear people say all the time that if you use the wrong routing number for a local bank, the bank will "figure it out" and move it to the right place.

They won't.

Well, sometimes a very kind human in a back office might catch it if the account number is unique enough, but in 2026, most of this is automated. If the routing number doesn't match the destination, the transaction usually just fails. Or worse, it goes to a different person who happens to have your same account number in a different state. It’s rare, but it’s a nightmare to fix.

Also, some people think routing numbers change when a bank gets bought. When TD bought those local Maine banks years ago, they did eventually consolidate, but they kept the regional routing numbers to avoid forcing millions of people to order new checks. It was a move for "convenience," which is basically their whole brand.

Security and Your Routing Number

Is it dangerous if someone knows your routing number? Sorta, but not really. Think about it: your routing number is printed on every single check you hand to a stranger. By itself, it’s useless. It’s like someone knowing your zip code. They need your account number and your name to actually do anything nefarious.

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However, you should still be careful. Scammers love to ask for "verification" by having you confirm your routing number as a way to build trust before they ask for the stuff that actually matters, like your password or 2FA codes.

Technical Breakdown: The Anatomy of 011200022

If you’re a nerd for details, the numbers actually mean something specific.

• 01: This is the Federal Reserve District (Boston).
• 1: This represents the specific Federal Reserve check processing center.
• 2: This identifies the state (Maine).
• 0002: This is the specific identifier for the bank (TD Bank/Legacy People's Heritage).
• 2: The final digit is the "check digit." It’s a mathematical result of the first eight digits, used by computers to instantly verify that the number isn't a typo.

If you ever find a "routing number" that doesn't pass the check digit test, the system will spit it out before the transaction even starts.

What to Do if You Used the Wrong Number

So you accidentally used the New Hampshire number for your Maine account. Or maybe you used the one for TD Bank in New Jersey because you found it on a generic website.

First, don't panic.

If it’s a direct deposit from your job, tell your HR department immediately. They can usually stop the batch before it processes if you catch it within a few hours. If it’s already gone through, it will likely "bounce" back to your employer’s bank account within 3 to 5 business days. You’ll just have to wait for the red tape to clear before they can re-issue the payment.

If you were sending money out, call TD Bank customer service or go into a branch. They have a "trace" department that can look for the funds. It's not an instant fix, and there might be a fee involved because, well, banks love fees.

Practical Steps for Moving Forward

To keep your finances running smoothly in the Pine Tree State, follow these simple rules of thumb:

1. Save the number: Put "TD Maine Routing: 011200022" in a secure note on your phone. You’ll thank yourself next time you’re filling out a form at the DMV or setting up a new utility bill.
2. Verify the state of origin: If you opened your account online, double-check which state was assigned to you. Sometimes online accounts are centralized in a state like Delaware or New Jersey, regardless of where you live.
3. Check for "Paperless" updates: Sometimes banks do migrate accounts. If you get a notification that your account has been "upgraded" or moved to a new system, check to see if your routing number stayed the same. It almost always does, but "almost" is a dangerous word in finance.
4. Wire vs. ACH: Remember that while the TD Bank Maine routing number is standard for ACH (direct deposit/bill pay), always double-check the specific instructions for incoming international wires, as they often require an intermediary bank in New York or a specific SWIFT code.

Banking in Maine has its own rhythm. Whether you're in the North Woods or the Old Port, having your ducks in a row with your routing information saves you from the kind of stress nobody needs. Stick to the verified number, keep an eye on your account origin, and you’ll be fine.

Actionable Summary for TD Maine Customers

• Primary Routing Number: 011200022
• Check Your Origin: Ensure the account was actually opened in a Maine branch or assigned to Maine.
• Direct Deposits: Use this number for payroll, tax refunds, and social security.
• Standard Bill Pay: Use this for connecting to credit cards or utility companies.
• When in Doubt: Look at the bottom of your physical checks or the "Account Info" tab in the TD Bank mobile app.