You’re sitting there, staring at a Venmo setup screen or a mortgage application, and it hits you. You need that nine-digit string of numbers for your TD Bank account in New York City. You might think, "I'll just Google it," but then you realize TD Bank—formerly Commerce Bank and others before it—has a bit of a messy history with mergers. That history matters because routing numbers aren't just random digits; they are essentially the GPS coordinates for your money.
If you mess up one digit, your paycheck doesn't just "arrive late." It vanishes into a clearinghouse void that can take weeks to resolve. Honestly, it's a nightmare nobody wants.
The Specific NYC TD Routing Number You’re Looking For
Most people living in the five boroughs—Manhattan, Brooklyn, Queens, The Bronx, and Staten Island—use the same primary routing number. For TD Bank customers who opened their accounts in New York, that number is 026013673.
Wait.
Before you copy-paste that and close this tab, there is a massive caveat. Banks love to change things. If you opened your account originally with Commerce Bank before TD swallowed them up in 2008, or if you actually opened your account in New Jersey but now live in NYC, your routing number might be entirely different. Routing numbers are tied to the geographic location where the account was first birthed. They don't migrate just because you moved your apartment from Hoboken to the Lower East Side.
Why does NYC have its own number?
It comes down to the Federal Reserve. The first two digits of a routing number (the "02" in NYC's case) represent the Federal Reserve District. NYC sits in the Second District, headquartered right there in Lower Manhattan. This district covers New York State, the 12 northern counties of New Jersey, Fairfield County in Connecticut, Puerto Rico, and the U.S. Virgin Islands.
Even within that district, banks have different "transit numbers" based on their specific corporate filings. TD Bank is a behemoth. Because they’ve grown through acquisitions, they often maintain separate routing numbers for different regions to keep their back-end systems from collapsing under the weight of millions of transactions.
The "Old Account" Trap
Let’s talk about the "legacy" problem. A lot of New Yorkers have been with the same bank for twenty years. You might have signed up back when the branches had different logos. If your account was originally a Commerce Bank account, you might still be using a routing number that starts with different digits.
Usually, when a merger happens, the "surviving" bank eventually migrates everyone to a single ABA (American Bankers Association) number. But not always.
If you use 026013673, you’re generally safe for NYC-based TD accounts. However, if you are setting up something high-stakes—like a wire transfer for a home closing or a massive tax payment to the IRS—you absolutely must verify this on your own paper checks or via the mobile app.
How to find it without guessing
- The Check Method: Look at the bottom left corner of your physical checkbook. The routing number is the first set of nine digits. The second set is your account number. The third is the check number.
- The App Method: Log into the TD Bank app. Click on your account. Look for "Account Details." It’s usually tucked away under a "Show Details" or "Info" tab.
- The Paper Statement: If you still get those dead trees in the mail, the routing number is printed on the top or bottom of the summary page.
Wire Transfers vs. Direct Deposits
Here is where people get burned. There is a huge difference between a domestic routing number and what you need for an international wire.
If your cousin in London is trying to send you money to your NYC TD account, the 026013673 number will not work. Period. For international transfers, you need a SWIFT code (also known as a BIC). For TD Bank in the U.S., the SWIFT code is generally TDBKUS33.
But wait, there's more. Some banks use a specific "Wire Routing Number" that differs from the "Electronic/ACH Routing Number."
For TD Bank, they typically use the same routing number for both ACH (direct deposits, bill pays) and domestic wires. This is a bit of a relief compared to banks like Chase or Bank of America, which often have separate numbers that drive people insane. But again, double-check. If you are receiving a wire, some specialized departments within TD might ask you to use a specific intermediary routing number if the money is coming from a non-U.S. currency.
What is an ACH anyway?
ACH stands for Automated Clearing House. It’s the "slow" way to move money. When you get your salary deposited on Friday, that’s an ACH. When you pay your ConEd bill, that’s an ACH. These transactions are processed in batches.
Wires, on the other hand, are "real-time" (mostly). They are for when the money absolutely, positively has to be there in two hours. Because they are handled differently by the Fed, the routing requirements are stricter.
Is it safe to give out your routing number?
In the age of Zelle and Venmo, we’ve become weirdly comfortable with sharing financial data. But your routing number and account number together are basically the keys to your house.
A routing number by itself is public information. I just gave it to you. You can find it on the TD Bank website. It's not a secret. However, when you pair it with your account number, someone can technically draft an "ACH Debit" from your account. This is how "e-checks" work.
Pro-tip for NYC residents: Given the high rate of mail theft in certain neighborhoods, if you still use paper checks, be careful. Anyone who sees a check you wrote has your routing number and your account number. It's often safer to use the TD Bank Bill Pay system, which sends payments electronically or issues a check from the bank's own account, keeping your personal account number hidden.
Common Mistakes to Avoid
Don't just assume that because you live in Brooklyn, you use the NYC number.
- The "Work Account" Error: If your employer is based in Philly but you live in NYC and they set up your account for you, you might be on a Pennsylvania routing number.
- The "Online Opening" Glitch: Sometimes, if you open an account online, the bank assigns you to a "central" branch that might be located in a different state entirely. I’ve seen NYC residents with Maine routing numbers because that’s where the online account processing center was located that day.
- The Zero vs. O: It's a number. It’s always a zero. Don't let your eyes play tricks on you.
Verifying the Number in 2026
Banking technology has moved fast. By now, most of us are using biometric logins and instant transfers. But the underlying "plumbing" of the American banking system—the ABA routing system—dates back to 1910. It’s clunky.
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If you are ever in doubt, the most authoritative source isn't a blog or even a helpful AI. It’s the ABA Routing Number Registrar. They are the ones who actually assign these numbers to financial institutions.
However, for the average person just trying to get their tax refund or set up a direct deposit for a new job in Midtown, the NYC TD routing number 026013673 remains the standard.
Actionable Steps for Your TD Account
If you are setting up a new payment today, do these three things to ensure you don't lose your money:
- Check your most recent direct deposit. If you already have a paycheck hitting your account, look at the transaction details in your banking app. It will often list the "Received via ACH" info which includes the routing number used.
- Use the "Copy" feature. If you’re in the TD mobile app, don't try to memorize the number. Use the "Copy" button next to the account info to avoid typos. A single "7" instead of a "1" sends your money to a completely different bank.
- Confirm the Transaction Type. If you are filling out a form, look for the words "ACH" or "Wire." If it says "Wire," call your local TD branch (like the one on 5th Ave or the one near Grand Central) and ask, "Is the wire routing number the same as my ACH routing number?" They will tell you in ten seconds.
Getting this right matters. NYC is expensive enough without having to track down a missing $2,000 rent payment because of a routing error. Take the extra thirty seconds to verify your specific account's origin, especially if you’ve had the account since the pre-TD merger days. Success in the NYC banking world is all about the details, and those nine digits are the most important details you own.