Money is stressful. Honestly, there is nothing worse than sitting at your kitchen table at 11:00 PM trying to set up a direct deposit or wire transfer, only to realize you have no idea which string of nine digits you actually need. If you are looking for the TD Bank New Jersey routing number, you probably just want a quick answer so you can move on with your life.
But here is the thing: TD Bank is huge.
Because they grew by acquiring a bunch of smaller banks over the decades—think Commerce Bank, the old "America’s Most Convenient Bank"—they ended up with a patchwork of different routing numbers. New Jersey is a particularly tricky spot. Depending on whether you are doing a standard ACH transfer or an international wire, the numbers change. It is not just one-size-fits-all.
Why the TD Bank New Jersey Routing Number is Actually 031201360
For most people, the number you need is 031201360.
This is the primary ABA routing transit number (RTN) for TD Bank accounts opened in New Jersey. If you’re setting up your paycheck to hit your account automatically or paying your electric bill online, this is almost certainly the one. It identifies the specific financial institution responsible for the payment. Without it, your money basically wanders into the digital void.
Wait.
Did you open your account in a different state but now live in Jersey? That changes things. Routing numbers are tied to where the account was born, not where you currently live. If you opened your account in Philadelphia and moved to Cherry Hill, you are likely still using a Pennsylvania routing number. It feels counterintuitive, but banks are old-school like that.
Paper Checks are the Ultimate Cheat Sheet
Look at your checkbook. No, seriously.
If you still have those paper things gathering dust in a drawer, they are the most reliable source of truth. At the bottom of every TD Bank check, you’ll see three sets of numbers. The first set on the far left—always nine digits—is your routing number. The middle set is your account number. The third is the check number.
If that first set starts with 0312, you’re looking at the standard New Jersey identifier.
Why does this matter so much? Because using the wrong number for an ACH transfer can lead to a "Return to Sender" situation that takes days to resolve. You don't want your mortgage payment bouncing because of a typo or a legacy Commerce Bank number that isn't active for the type of transfer you're trying to pull off.
Domestic vs. International: The Routing Split
Here is where it gets slightly annoying.
If someone is sending you money from London, Tokyo, or basically anywhere outside the U.S., a routing number isn't enough. You need a SWIFT code. For TD Bank in the United States, that is generally TDBKUS33.
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However, if you are doing a domestic wire transfer—sending money fast between two U.S. banks—TD often uses a specific "Wire Routing Number" that can differ from the electronic/ACH number. While 031201360 works for most New Jersey transactions, always double-check your specific branch's wire instructions if the amount is large. A mistake on a $50,000 wire is a lot more painful than a mistake on a $50 Venmo transfer.
The Legacy of Commerce Bank
You might remember the red "C" logo.
When TD Bank bought Commerce Bank years ago, they didn't just snap their fingers and change every backend system overnight. For a long time, there was a lot of confusion about which old routing numbers were still valid. Today, the system is mostly streamlined, but that 0312 prefix is the hallmark of the New Jersey territory that Commerce once dominated.
It’s interesting how these numbers act like a digital fingerprint of banking history. Every time you type in those nine digits, you're interacting with a system that maps back to the Federal Reserve’s geographic districts. New Jersey falls under the Third and Second Districts, depending on where you are, but TD's main Jersey hub stays consistent.
Common Mistakes to Avoid
People mess this up all the time. Don't be one of them.
- Confusing the Routing Number with the Account Number: This sounds obvious, but when you're staring at a tiny screen, they blur together. The routing number is always nine digits. Your account number is usually longer.
- Using the Internal Transfer Number: Sometimes the TD Bank app shows internal codes for moving money between your own savings and checking. Those aren't routing numbers.
- The "I Moved" Trap: Again, if you opened your account in New York (211274450) and now live in Jersey City, do not use the New Jersey number. Stick with the one assigned at the start.
How to Verify Your Specific Number
If you’re still feeling paranoid, there are three ways to be 100% sure.
First, log into the TD Bank mobile app. Click on your account, then "Account Details." It’s right there. Second, you can call their customer service at 1-888-751-9000. Be prepared for some hold music, but they can verify the exact RTN for your specific account type. Third, you can literally walk into a branch in places like Edison, Princeton, or Toms River and ask the teller.
They see this question fifty times a day. They won't judge.
Making the Transfer Happen
Once you have the 031201360 number ready, the rest is easy.
Most payroll providers like ADP or Gusto just need that number and your account number. If you're setting up an e-check for a utility bill, the process is the same. Just remember that ACH transfers usually take 1-3 business days. If you need it there "right now," you're looking at a wire, which costs more but uses that same routing infrastructure.
Banking doesn't have to be a mystery. It’s just a series of addresses. The routing number is the street, and your account number is the house. As long as you get the street right, the mail—or in this case, the cash—usually finds its way home.
Practical Steps for Your Next Move
- Verify your account origin: Confirm if you originally opened your account at a New Jersey branch.
- Check your digital banking portal: Navigate to "Account Info" to see the specific routing number TD has assigned to your profile.
- Save it in a password manager: Instead of hunting for it every time, save your routing and account numbers in a secure vault like 1Password or Bitwarden.
- Distinguish between ACH and Wire: Use 031201360 for standard payroll and bill pay, but confirm with TD if you are receiving a high-value domestic wire transfer.
- Update your records: If you still have old "Commerce Bank" documents, shred them and ensure your current payroll is using the updated TD Bank identifiers to avoid processing delays.