You’re sitting there, trying to set up a direct deposit or maybe send a quick payment to a friend in Orlando, and you realize you need that nine-digit string of numbers. It sounds simple. You search for it, find a number, and plug it in.
But here’s the thing: using the wrong routing number for TD Bank Florida is one of those tiny mistakes that can turn into a massive headache. Your paycheck disappears into the digital void for a week. Or worse, your mortgage payment doesn't clear because you used the ACH number for a wire transfer.
📖 Related: 2 crore INR to USD Explained: What Most People Get Wrong
Banking in the Sunshine State is a bit unique with TD. Because they've grown through so many acquisitions over the years, the numbers aren't always what you'd expect.
The Magic Number: 067014822
If you opened your account in a Florida branch, the primary routing number for TD Bank Florida you’ll likely need is 067014822.
This is the workhorse. It handles your standard stuff—think direct deposits from your job, setting up your electric bill on autopay, or moving money into your savings account from an external bank.
If you're looking at a physical check right now (if people still use those), you'll see it right there at the bottom left. It’s always nine digits. If it’s not nine digits, it’s not a routing number.
But wait. Don't just copy-paste that and run. There's a catch.
When 067014822 isn't the right choice
Kinda confusingly, banks often use different "paths" for different types of money movement. While the number above works for almost all "everyday" banking (ACH transfers), it might fail you if you’re doing a wire transfer.
For a domestic wire transfer—like when you're closing on a house and need to send a large sum fast—TD Bank often uses a centralized wire routing number: 031101266.
I've seen people try to use the Florida-specific ACH number for a wire, and the system just spits it back out. Or, even more fun, the money sits in "pending" purgatory while customer service tries to figure out where it's supposed to go. Honestly, always double-check with the specific wire instructions provided by the branch if you’re moving more than a few thousand bucks.
Why Florida is Different from New York or Jersey
TD Bank is "America’s Most Convenient Bank," but their backend is a patchwork of history. They bought Commerce Bank, they bought Riverside National Bank in Florida, and they bought South Financial Group.
Because of this, if you moved to Florida from, say, New Jersey, but kept your old account, your routing number won't change to the Florida one. It stays tied to where the account was "born."
- Local Florida Accounts: Use 067014822.
- Legacy Accounts: If you opened it in Philly and moved to Miami, you’re likely still using a Pennsylvania number like 036001808.
It feels a bit old-school, but that’s how the Federal Reserve's routing system identifies the "home" of the funds.
Finding your specific number in the app
If you’ve lost your checkbook (or never had one), the TD Bank mobile app is actually pretty decent for this.
- Log in and tap on your specific account (Checking, for example).
- Look for "Account Details" or a little "info" icon.
- It will list the "Direct Deposit/ACH" routing number specifically.
This is the safest way to be 100% sure. It takes thirty seconds and saves you a three-hour phone call to support later.
Moving Money Across Borders
Florida is a hub for international business and travel. If you’re receiving money from abroad—maybe a relative in Canada or a client in Europe—a routing number isn't enough.
You’re going to need a SWIFT code. For TD Bank, that’s usually NRTHUS33XXX.
Think of the routing number as the street address and the SWIFT code as the country code. You need both to ensure the money crosses the Atlantic and lands in your specific Floridian pocket.
Actionable Next Steps
Don't leave your finances to chance. Here is exactly what you should do right now to make sure your next transaction goes through:
✨ Don't miss: LIC Housing Finance Share Rate Explained: Why the Market is Nervous (and What to Do)
Confirm your transaction type. If it’s a paycheck or a utility bill, use the ACH number 067014822. If it’s a high-stakes, same-day wire transfer, use the wire-specific number 031101266.
Check your "Home" state. Look at your last statement. If the address on the statement for the bank itself is in Maine or New Jersey, you might have a legacy routing number. Use the one printed on that statement, not the general Florida one.
Do a "Penny Test." If you're linking a new external investment account or a payment app, send $1 first. If it shows up in two days, you’ve got the right number. If it doesn't, you only lost a cent and a little bit of time, rather than your whole rent payment.
Save the number in your notes. Type "TD FL Routing" into your phone's notes app with the number 067014822 so you don't have to go hunting for this article next time you're at the DMV or signing a new lease.