You're standing in line or staring at a flickering laptop screen, trying to set up a direct deposit or wire some cash to a friend, and suddenly you hit a wall. You need the TD routing number New Jersey residents are supposed to use, but a quick search gives you three different answers. It’s frustrating. Most people assume there is just one "TD Bank," but banking infrastructure is actually a messy patchwork of old mergers and regional legacy systems.
If you mess this up, your money doesn't just vanish into a void—usually—but it does get stuck in "pending" purgatory for days. Nobody has time for that.
The truth is that TD Bank, which calls itself "America’s Most Convenient Bank," grew by swallowing up other banks like Commerce Bank. Because of that history, the routing number you use depends entirely on where your account was originally opened or which specific type of transaction you’re trying to pull off.
The Number You’re Probably Looking For
For the vast majority of personal and small business checking accounts opened in the Garden State, the TD routing number New Jersey uses is 031201360.
Write it down. Double-check it. This nine-digit string is the "address" for the Federal Reserve to find TD Bank’s New Jersey operations. It’s technically called an ABA (American Bankers Association) routing transit number.
Wait.
Before you copy-paste that and close this tab, there is a catch. If you are handling a wire transfer—especially an international one—that number might be totally useless to you. Domestic ACH transfers (like your paycheck or paying the electric bill) and wire transfers (sending large sums of money quickly) often use different "pipes."
Why does New Jersey have its own number?
Banking in the U.S. is regional. Even though TD is a massive international entity headquartered in Cherry Hill, NJ, the financial system still treats different states as different hubs. If you opened your account in Philadelphia but now live in Jersey City, you might still need the Pennsylvania routing number. Your account is tied to the "home" branch where the paperwork first lived.
It's a bit archaic. Actually, it's very archaic.
Domestic vs. International: The Great Confusion
When someone asks for your TD routing number New Jersey info, they usually mean an ACH transfer. This is the slow-and-steady method. It takes a day or two.
Wire transfers are different. They are real-time. If you are sending money to a title company to buy a house in Hoboken, or you're receiving a settlement, you’re looking for the wire routing number. Often, TD uses a centralized wire routing number for the entire East Coast, rather than the state-specific one.
For incoming domestic wires, TD often directs customers to a specific wire-only routing number. However, for most New Jersey retail customers, the 031201360 number works for both ACH and domestic wires, but you must verify this on your specific bank statement or the TD mobile app.
Why? Because if the bank recently migrated your account during a system update, things change.
The SWIFT Code factor
If you have a cousin in London trying to send you pounds sterling that need to land in your Jersey account, a routing number won't cut it. You need a SWIFT code (also known as a BIC).
For TD Bank N.A. in the United States, the SWIFT code is generally TDBKUS33.
This code acts like the international version of a routing number. Without it, your money is just wandering around Europe with no passport.
How to Find Your Number Without Calling Customer Service
Checking your routing number shouldn't involve sitting on hold for 20 minutes listening to smooth jazz. You've got better things to do.
The easiest way? Look at a check. If you still have those paper things in a drawer somewhere, look at the bottom left corner. You’ll see three sets of numbers. The first set—the one that is nine digits long and flanked by a weird little symbol—is your routing number. The middle set is your account number. The third is the check number.
💡 You might also like: Converting Reais to Canadian Dollars: Why You Are Probably Paying Way Too Much
If you don't have a checkbook, the TD Bank mobile app is your best friend here.
- Log in (face ID makes this easy).
- Tap on your checking account.
- Look for "Account Details" or "More."
- Your specific routing number for that specific account will be listed there.
This is the only way to be 100% sure. Why? Because some "New Jersey" accounts are technically managed under different charters if they were part of specific commercial acquisitions.
Common Mistakes That Delay Your Money
The biggest mistake is assuming all TD accounts are the same. They aren't.
If you use the TD routing number New Jersey for an account you actually opened in New York, the transaction will likely fail. The Federal Reserve's automated system sees the mismatch and kicks it back. This can take 3 to 5 business days to resolve, which is a nightmare if you're trying to pay rent.
Another big one? Mixing up "Paper" and "Electronic" routing numbers. Some banks used to have different numbers for electronic transfers versus paper check processing. Thankfully, TD has consolidated most of these for New Jersey, but legacy accounts sometimes have "grandfathered" numbers that still work but aren't the primary ones.
The "Commerce Bank" Ghost
A lot of long-time Jersey residents still think of TD as Commerce Bank. When TD bought Commerce in 2008, it was a massive shift. Most of those old Commerce routing numbers were phased out years ago. If you have an old direct deposit form from 2007 saved on your computer, delete it. It’s a digital paperweight. Use the current 031201360 number unless the app tells you otherwise.
Security and Your Routing Number
Is it dangerous to give out your routing number? Sort of, but not really.
💡 You might also like: Current USD to JPY Exchange Rate: What Most People Get Wrong
Think of it this way: your routing number is like your home address, while your account number is like the key to your front door. People can find your address pretty easily, but they shouldn't be able to get in without the key. However, with both numbers, someone can technically initiate an ACH pull from your account.
That’s how you pay your gym membership or your car insurance. You give them both numbers, and they "pull" the money.
Because of this, you should only share your TD routing number New Jersey and account details with trusted entities. Don't email them in plain text. Don't send them over a public Wi-Fi connection at a coffee shop without a VPN. Use secure portals.
What to Do If a Transfer Fails
If you used the wrong routing number, don't panic. The money doesn't just go to someone else's account (usually). Since the routing number and account number have to match the bank's records, a mismatch usually results in a "Return to Sender."
- Contact the sending institution: Tell them you provided the wrong routing info.
- Wait for the "bounce": It takes a few days for the banking system to realize the mistake.
- Verify the New Jersey number: Double-check your account statement to ensure you are using the correct 031201360 or whatever specific number is assigned to your branch.
- Re-initiate: Once the funds are back in the original account, try again with the correct info.
Specifics for Business Accounts
Business owners in New Jersey often have different requirements. If you're running a high-volume LLC, your routing number might be tied to a specific commercial hub in Cherry Hill or even a centralized processing center that handles "Large Stock" transactions.
For most small businesses, the standard Jersey routing number applies. But if you’re doing treasury management or specialized payroll services, your TD representative might have given you a unique "dummy" routing number for specific internal transfers. Always check your corporate onboarding documents.
The "North Jersey vs. South Jersey" Myth
In some states, banks have different routing numbers for different parts of the state. In New Jersey, TD Bank has largely unified its footprint. Whether you're in the shadows of the George Washington Bridge or down by the Cape May lighthouse, the 031201360 is the standard. You don't need to worry about the "exit" you live off of on the Parkway when it comes to your banking digits.
Actionable Steps to Manage Your TD Account
Don't just guess. Banking is the one area of life where "close enough" is actually "not even close."
- Step 1: Log into your TD Bank Online Banking portal or the mobile app right now.
- Step 2: Click on your primary checking account and navigate to "Account Info."
- Step 3: Take a screenshot of the routing and account numbers and save it in a secure, encrypted folder or a password manager like 1Password or Bitwarden.
- Step 4: If you are setting up a high-value wire (over $10,000), call your local New Jersey branch and ask specifically: "Is 031201360 the correct number for an incoming domestic wire to this specific account?"
Doing this small bit of homework prevents a massive headache later. It ensures your paycheck lands on Friday morning rather than Tuesday afternoon. It keeps your mortgage payment on time. It’s the boring, administrative stuff that makes life run smoothly.
Double-check your documents. Verify the state where you opened the account. Use the number 031201360 for standard New Jersey transactions, and you'll be set.