So, you're looking for your Vermont routing number TD Bank details. Maybe you’re setting up a direct deposit for a new job in Burlington, or perhaps you're finally linking your Venmo to that account you opened years ago in Montpelier. It seems like a simple five-second Google search, right?
Well, kinda.
Most people assume there is just one magical number for the entire state. But if you’ve been banking for a while, you know that "simple" things in finance are rarely that straightforward. TD Bank, which has a massive footprint across the East Coast, actually uses a specific system for its routing numbers based on where you originally opened the account. If you get it wrong, your paycheck doesn't just "delay"—it disappears into a digital void for three to five business days. That is a headache nobody needs.
The Core Number: TD Bank’s Vermont Routing Identity
Let's get the big one out of the way first. For most standard checking and savings accounts opened within the state of Vermont, the Vermont routing number TD Bank uses is 011600020.
Why this specific string of digits? Every routing number (also called an ABA number) is essentially a digital home address for your money. The American Bankers Association assigns these to tell the Federal Reserve exactly where to send the cash. In the case of TD Bank’s New England operations, this number is the primary gateway.
But wait. There is a catch.
Did you move to Vermont from New Hampshire or New York and keep the same account? If you did, your routing number is almost certainly NOT the Vermont one. Routing numbers are tied to the origin of the account. If you opened your account in Albany but now live in Rutland, you are still technically using the New York routing number.
It’s a bit of a legacy quirk. Banks like TD have grown through decades of mergers and acquisitions—remember when it was Banknorth? Those old digital "pipes" still exist under the surface.
Why Your Paper Checks Might Be Lying to You
Seriously. Go grab your checkbook. Look at that bottom-left corner. You’ll see a nine-digit number.
For 99% of people, that’s the number you should use for direct deposits or paying your electric bill. However, if you are using an old starter checkbook from five years ago, or if you recently underwent a "bank merger" transition, that number might be outdated.
TD Bank typically uses one routing number for Electronic Transfers (ACH) and another for Wire Transfers. This is where people get burned.
If someone is trying to wire you money—and I mean a real, same-day domestic wire transfer—the Vermont routing number TD Bank uses for that is often different from the one used for your standard paycheck. For domestic wires into a TD account, the bank usually directs customers to use a centralized national routing number rather than the state-specific one.
Specifically, for TD Bank, the domestic wire routing number is often 026013673.
I know, it's confusing. Basically, ACH (paychecks, Netflix bills, venmo) uses the Vermont-specific number (011600020), while Wires (buying a house, large business settlements) often use the national one. If you mix these up, the wire will fail.
The "Old Account" Trap
Vermont has a long history of local banks being swallowed up. If you originally had an account with a smaller institution that TD Bank bought out a decade ago, you might still be using an "inherited" routing number.
While TD eventually migrates everyone to their primary New England routing numbers, some older accounts stay on legacy systems for a surprisingly long time.
How do you check? Honestly, the safest way isn't looking at a blog post—it’s logging into the TD Bank mobile app. Once you're in, tap on your account and look for "Account Details." That is the "source of truth." It reflects the specific routing number currently assigned to your digital identity. Don't guess.
When Routing Numbers Go Wrong
I once saw a guy try to set up a tax refund using a routing number he found on a random PDF from 2014. The money was sent. The bank rejected it because the routing number had been retired after a backend system upgrade. It took him four months to get the IRS to re-issue that check.
If you provide an incorrect Vermont routing number TD Bank digit, here is what happens:
- The sending bank initiates the transfer.
- The Federal Reserve looks for the "address."
- If the address doesn't exist, it bounces back to the sender.
- If the address exists but the account number doesn't match a person at that bank, it sits in a "suspense account" while a human tries to figure it out.
It is a nightmare.
How to Find Your Number Without Leaving Your Couch
You've got a few ways to verify this without calling customer service and sitting on hold for twenty minutes.
- The TD Mobile App: This is the most reliable. Log in, click the account, and tap "Details."
- Online Banking: Similar to the app, the "Account Summary" page will list your ABA routing number right next to your account number.
- Your Monthly Statement: Look at the very top or bottom of your PDF statement. It’s always there.
- The Bottom of Your Check: The nine-digit number on the far left.
A Quick Note on International Transfers
If you are expecting money from outside the United States—say, a relative in Canada or a business partner in Europe—a routing number isn't enough. You will need a SWIFT Code.
For TD Bank in the U.S., the SWIFT code is generally TDBKUS33.
International transfers are a whole different beast. They don't use the ABA system. If you give a London-based bank your Vermont routing number, they’ll look at you like you have three heads. You need that SWIFT code plus your specific account number.
Practical Steps to Secure Your Transfers
Don't just copy-paste and hope for the best.
First, confirm if your transaction is ACH or Wire. This is the biggest mistake people make. If it’s for a paycheck or a utility bill, it’s ACH. Use the Vermont number. If it’s for a real estate closing, it’s a wire. Ask the bank for the wire-specific instructions.
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Second, double-check the account number. The routing number gets the money to the bank; the account number gets the money to you.
Third, if you’re setting up a high-value transfer, send a "test" amount if possible. Send $5. See if it clears. It’s better to lose five bucks for a day than to lose $5,000 for a month.
Verified Routing Details for TD Bank (Vermont)
To be crystal clear, here is the data as it stands for 2026:
Primary Vermont ACH Routing Number: 011600020
TD Bank National Wire Routing Number: 026013673
TD Bank SWIFT Code (International): TDBKUS33
These numbers are specifically for accounts headquartered in Vermont. If you’re ever in doubt—especially if you’re dealing with a large sum of money—the most "expert" move you can make is to walk into a branch in Burlington or Brattleboro and ask the teller for a direct deposit form. That form is legally binding and contains the exact numbers the bank wants you to use.
Banking feels like it should be more modern by now, but we are still relying on a system of nine-digit codes created in the 1910s. It’s clunky. But as long as you know which "bucket" your account falls into, you'll be fine.
Next Steps for You
- Open your TD Bank app right now and compare the routing number there to the one on your paper checks.
- Update your payroll provider immediately if you notice a discrepancy, as old routing numbers are being phased out in favor of centralized regional numbers.
- Download a Direct Deposit PDF from the TD website; it usually pre-fills the correct routing info based on your login credentials, which eliminates human error entirely.