Finding the right routing number New York TD Bank uses isn't just a matter of Googling it and grabbing the first nine digits you see. It's actually a bit of a minefield because TD Bank—formerly Commerce Bank and others—has a massive footprint across the East Coast. If you use the wrong sequence for a wire transfer or a mortgage payment, your money doesn't just "go somewhere else." It enters a digital limbo that can take weeks to resolve.
Banks are huge. TD is huge.
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You’ve probably seen a routing number referred to as an ABA number. This is basically the "address" for the bank itself. While your account number identifies you, the routing number identifies the specific financial institution and the region where your account was birthed. For TD Bank customers in the Empire State, that usually boils down to one specific set of digits, but there are weird exceptions if you opened your account in a different state and moved here later.
The Specific Routing Number New York TD Bank Customers Need
If you opened your account in a New York branch, your routing number is almost certainly 026013673.
Don't just take my word for it. Look at the bottom of your physical checkbook if you still have one. It’s that first set of nine digits on the left. If you don't have checks, you can find it inside the TD Bank mobile app by tapping on your specific account and looking at the "Account Info" tab.
Why does this matter so much? Because routing numbers are essentially sorting instructions for the Federal Reserve. When you set up direct deposit for a new job in Manhattan or a remote gig based in Albany, the payroll software needs to know exactly which "pipe" to send the cash through. If you provide a New Jersey routing number but your account is coded for New York, the transaction might bounce. It's annoying. It's slow. It's avoidable.
What if I live in NY but opened my account in Jersey?
This is where people trip up.
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A lot of commuters who live in Westchester or Long Island actually opened their accounts at a branch near their office in Jersey City or Newark. If that's you, your routing number New York TD Bank searches might lead you astray. Your routing number stays tied to the state where the account was opened, regardless of where you live now.
If your account originated in New Jersey, you’re likely looking at 031201360. If it was Connecticut, it’s 011103093.
Basically, the bank doesn't "move" your account's digital DNA just because you moved houses. Always verify the origin of the account before you commit to a high-stakes transfer.
Wire Transfers vs. ACH: The Great Confusion
Here is something honestly confusing: there is a difference between an ACH transfer and a domestic wire transfer.
For most things—getting paid by your boss, paying your ConEd bill, or linking your Venmo—you want the ACH routing number. That's the 026013673 number we talked about. It's the standard. It's the workhorse of the American banking system.
However, if you are doing a Domestic Wire Transfer—maybe you’re closing on a house or sending a massive sum of money that needs to arrive the same day—TD Bank sometimes uses a different set of instructions. For TD, they generally use the same routing number for both ACH and domestic wires, but they have very specific "SWIFT" codes if the money is coming from overseas.
If someone is sending you Euros from London to your New York TD account, they don't care about your routing number. They need the SWIFT code. For TD Bank in the U.S., that's typically TDOMUS33.
Why Routing Numbers Change (And Why They Don't)
TD Bank is the "Most Convenient Bank," but their history is a patchwork of acquisitions. They bought Commerce Bank back in 2008. They've swallowed up smaller regional banks over the decades.
Each time a bank buys another bank, the routing numbers have to be consolidated. Usually, the "surviving" bank keeps its main number, and the old ones are phased out over several years. If you've had an account since the 90s, you might still be using an old Commerce Bank routing number that TD still honors.
But it’s risky.
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Eventually, banks stop supporting those legacy numbers. If you're still relying on a number from a bank that hasn't existed for fifteen years, you're asking for a headache. It's much smarter to update your records to the current routing number New York TD Bank uses now. It ensures your 2026 tax refund actually hits your balance instead of getting rejected by an ancient server.
Protecting Your Information
Just because you can find a routing number online doesn't mean it’s private information. It isn't. Every TD Bank customer in New York shares that same number.
The real danger is when the routing number is paired with your account number.
Think of it like this: the routing number is the zip code, and the account number is your front door. Anyone can know the zip code, but you don't want strangers having the key to the door. When you're setting up payments, make sure you're on a secure "https" website. Scammers often set up fake portals that look like TD Bank's login page just to harvest these two numbers. Once they have both, they can initiate "unauthorized ACH pulls," which is a fancy way of saying they can suck money out of your account as if they were a utility company.
How to verify your number in 30 seconds:
- The Check Method: Look at the bottom left of your paper checks.
- The App Method: Log in, tap your account, hit "Account Details."
- The Statement Method: Download a PDF of your most recent monthly statement; it's usually listed in the header or the "Summary" section.
- The Phone Method: Call TD at 1-888-751-9000. Don't guess.
Actionable Steps for New York Account Holders
If you are currently setting up a transfer or updating your direct deposit, do not just copy-paste from a random image result on a search engine. Banks occasionally update their internal logic for regional processing.
First, confirm that your account was actually opened in New York. If you can't remember, check your original account opening documents or ask a teller. Once you are 100% sure it's a NY-based account, use 026013673 for all your standard ACH needs.
For those managing a business account or expecting large-scale commercial wires, contact your specific relationship manager. Business accounts sometimes utilize specialized routing strings to ensure funds hit the correct corporate sub-ledger.
If you suspect you've used the wrong number for a pending transfer, call the sending institution immediately. You usually have a very small window—sometimes only a few hours—to put a "stop payment" or "reversal" on an ACH transfer before it clears the clearinghouse. Once it's gone, getting it back involves a lot of paperwork and even more patience.