Finding the right routing number for TD Bank FL seems like it should be a five-second Google search. You type it in, grab the nine digits, and move on with your life. But honestly, if you’ve ever had a direct deposit bounce or a wire transfer vanish into the digital ether, you know it’s rarely that simple. Banks love to complicate things with different numbers for different tasks.
Florida is a massive market for TD Bank. Because of that, they don’t just use one "catch-all" number for every single thing you do. If you are sitting there with a form for a new job or trying to pay a bill, you need the specific number that matches the Florida region where you originally opened that account.
The Magic Number: 067014822
Let’s get the lead out. For the vast majority of people who opened an account at a TD Bank branch in Florida, the routing number is 067014822.
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This number—sometimes called an ABA (American Bankers Association) number—is the "front door" to your account for most standard activities. If you’re setting up a paycheck to land in your checking account every Friday, this is the one you want. It’s also the number you’ll use for:
- Automatic bill payments (like your electric or water bill).
- Standard ACH transfers between banks.
- IRS tax refunds (the best kind of mail).
- Venmo or PayPal account links.
But wait. There's always a "but."
Just because you live in Orlando now doesn't mean you use the Florida number. If you moved down from New Jersey three years ago but never officially closed that old account to start a fresh one in the Sunshine State, your routing number is still the Jersey one. TD Bank tracks you based on where the account was born, not where it lives now.
Why Your Check Might Be "Lying" to You
You’d think the paper checks sitting in your kitchen drawer would be the ultimate truth. Usually, they are. If you look at the bottom left-hand corner of a TD Bank check, that first nine-digit string is your routing number.
However, banks go through mergers. They buy other banks. Systems get upgraded. Sometimes, the number printed on a check from five years ago is technically "retired," even if the bank still routes it correctly behind the scenes. If you are setting up something high-stakes—like a mortgage payment or a massive business transfer—it’s always smarter to pull the number from the TD Bank mobile app or your online banking portal. Those digital spots update in real-time.
Finding it in the App
- Log in (obviously).
- Tap on the specific account you're looking at.
- Look for "Account Details."
- The routing number will be sitting right there next to your account number.
Wires vs. Direct Deposits: The Big Trap
This is where people get burned. There is a massive difference between an ACH transfer (Direct Deposit) and a Wire Transfer.
If you use the standard routing number for TD Bank FL (067014822) for a domestic wire transfer, it might fail. Or worse, it might get stuck in a "manual processing" loop that takes days to resolve.
TD Bank typically uses a specific, centralized routing number for all domestic wire transfers, regardless of which state you are in. For domestic wires, you often need to use 031101266.
Why the difference? Think of it like mail. ACH is like the standard US Postal Service—it’s efficient, moves in batches, and goes to your local post office. A wire transfer is like a high-security courier. It needs a different entrance to the building to ensure the money moves instantly. If you're receiving an international wire, you'll also need the SWIFT code, which for TD Bank is NRTHUS33XXX.
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What About Multiple Florida Routing Numbers?
You might see other numbers floating around online, like 063113772 or 067011142. These are often legacy numbers from older banks that TD acquired over the decades. While they might still work for some old-school accounts, 067014822 has become the standardized "primary" for Florida.
If you're ever in doubt—maybe you have a specialized commercial account or a legacy trust—just call their customer service. It’s better to spend ten minutes on hold than ten days chasing a lost five-figure transfer.
Practical Steps to Take Right Now
Don't just copy-paste and hope for the best. Follow these steps to ensure your money actually goes where it's supposed to:
Verify the account origin. If you opened your account in another state (like Maine or New York) and just use Florida branches, you MUST use the routing number from that original state.
Match the transaction type. Use 067014822 for payroll, apps, and bills. Use 031101266 for domestic wires.
Double-check your account number. The routing number only gets the money to the right bank; the account number gets it to you. They are separate. On your check, the routing number is first, the account number is second.
Send a "test" dollar. If you're setting up a transfer between two of your own accounts at different banks for the first time, send $1 first. Once it clears, you know the plumbing is working.
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Keep your app updated. The TD Bank app is the most reliable source for your specific account’s data. If the app shows a number different from what you see on an old paper statement, trust the app.
The routing number for TD Bank FL is a tool, but like any tool, you have to use the right version for the job. Stick to the verified Florida ABA for your daily banking and keep that wire transfer number handy for the big moves.