You’re staring at a digital form. Maybe it’s for a new job’s direct deposit, or perhaps you’re finally setting up that automated mortgage payment so you don't have to think about it anymore. It asks for nine digits. You know you bank with TD, and you know you live in the Sunshine State, but finding the exact routing number Florida TD Bank uses can be surprisingly annoying if you don’t know where to look. Honestly, it’s one of those things that should be simpler, yet banking mergers and regional acquisitions over the last few decades have made "simple" a relative term.
Banking isn't just about the money in the vault; it's about the data moving through the pipes. That nine-digit code, technically known as an ABA (American Bankers Association) routing transit number, is the GPS coordinate for your cash. If you get it wrong, your paycheck doesn't just "go somewhere else"—it enters a bureaucratic limbo that can take days or weeks to resolve.
Why Florida TD Bank Routing Numbers Are Different
TD Bank didn't just sprout up out of the Florida soil. It grew through a massive series of acquisitions, most notably the purchase of Commerce Bank and Riverside National Bank of Florida years ago. Because of this, the routing number Florida TD Bank customers use isn't necessarily the same one someone uses in Maine or New Jersey.
The most common routing number for TD Bank accounts opened in Florida is 063112663.
However, there is a catch. If you opened your account in a different state and moved to Florida, or if you are dealing with a legacy account from an older bank acquisition, that number might not apply to you. Routing numbers are tied to the location where the account was originally opened, not where you currently reside. It’s a quirk of the US banking system that feels archaic in 2026, but it’s the reality we live in.
The Wire Transfer Trap
Here is where people usually mess up. There is a huge difference between a "paper" or "ACH" routing number and a "wire" routing number.
If you are setting up a standard direct deposit or paying a utility bill, you use the ACH number (063112663 for most Floridians). But if you are doing a domestic wire transfer—say, for a real estate closing in Miami or Orlando—TD Bank often uses a centralized wire routing number that might differ from your local branch's code. For TD Bank, the domestic wire routing number is typically 031201360. Using the ACH number for a wire transfer is a recipe for a "transaction rejected" notification and a very stressed-out phone call to your branch manager.
How to Verify Your Specific Number
Don't just take a random number from a blog post as gospel. You have tools at your disposal to be 100% sure.
Check your checkbook. It’s the old-school way, but it’s the most reliable. Look at the bottom left corner of your personal checks. You’ll see three sets of numbers. The first set, nine digits long and flanked by a specific symbol, is your routing number. The second set is your account number, and the third is the check number.
If you’ve gone paperless and haven't seen a physical check in years, log into the TD Bank mobile app or their online banking portal. Once you click on your specific account (checking or savings), there is usually a "Details" or "Account Info" tab. It will list both the routing number and your full account number.
- Florida (Most Accounts): 063112663
- Domestic Wires: 031201360
- International Wires: This requires a SWIFT code (TDBKUS33) rather than a standard routing number.
Is there more than one Florida number?
Actually, yes. While the 063112663 number covers the vast majority of the state, banking history is messy. TD Bank has swallowed up smaller institutions over the years. If you have an extremely old account that originated with a bank TD bought ten or fifteen years ago, your routing number might still reflect that old entity. This is rare now, as most banks have consolidated their charts of accounts, but it’s a nuance worth mentioning for the "legacy" customers out there.
Security and Your Routing Number
Is a routing number "private"? Sort of, but not really. Think of it like your work address. Anyone who has ever seen one of your checks has your routing number and your account number. By themselves, a routing number isn't a huge security risk because it only identifies the bank, not you. However, when paired with your account number, a bad actor could theoretically initiate an unauthorized ACH pull.
This is why "Positive Pay" services exist for businesses, and why as a consumer, you should keep an eye on your "Pending Transactions" list. If you see an ACH pull you don't recognize, it doesn't matter if the routing number Florida TD Bank provided was correct; the transaction is fraudulent.
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Why the Number Matters for Your Taxes
When tax season rolls around, the IRS asks for your routing and account numbers for your refund. Florida residents, who notably enjoy no state income tax, still have to deal with the federal side. If you typo that 063112663 number, the IRS will eventually catch the error when the "handshake" with TD Bank fails. But "eventually" in IRS-speak can mean a delay of several months. They will have to cut a physical check and mail it to your address on file. In an age of instant transfers, waiting for the mailman is a self-inflicted wound.
Practical Steps for TD Bank Customers
If you are moving money or setting up a new financial link, follow this workflow to ensure no money goes missing:
- Identify the transaction type. Is it an ACH (Direct Deposit/Bill Pay) or a Wire?
- Locate your original account opening state. If it was Florida, use 063112663 for ACH.
- Cross-reference with the TD Mobile App. Don't rely on memory.
- Perform a test. If you’re linking a new brokerage account or an external bank app (like Venmo or CashApp), they will often do "micro-deposits." They’ll send two tiny amounts (like $0.03 and $0.12) to verify the connection. Wait for these to show up before trying to move $5,000.
- Check for "Local" vs. "Global". Always remember that international transfers are a different beast entirely. You’ll need the SWIFT code, the bank’s physical address (often the Cherry Hill, NJ headquarters for TD), and your specific account details.
Banking doesn't have to be a headache. The routing number Florida TD Bank uses is a fixed tool. Once you have it saved in your password manager or written in a secure spot, you're set. Just remember that the "06" at the start is a hallmark of the Sixth Federal Reserve District, which includes Atlanta and covers Florida. If your number starts with something else, you’re likely looking at an account opened in a different region of the country.
Double-check your digits, verify the transaction type, and keep your account number private. That’s the most effective way to keep your finances moving smoothly through the Florida banking system.