You’re sitting at your kitchen table, trying to set up a direct deposit for your new job or maybe finally automating that electric bill. You need a nine-digit code. Not just any code, but the specific routing number for TD Bank in Florida. It sounds simple enough. You Google it, and suddenly you're hit with a wall of different numbers, "ACH vs. Wire" debates, and technical jargon that makes your head spin.
Honestly, it shouldn't be this hard.
If you opened your account in the Sunshine State, the number you likely need is 067014822. That is the primary transit routing number used for electronic payments, direct deposits, and paper checks for Florida-based TD Bank accounts. But here is the catch: if you are trying to receive a domestic wire transfer, that number might actually fail you.
Banking is weird like that.
Why Your Florida Routing Number Might Change
Most people assume a routing number is like a Social Security number for a bank branch. It stays the same, right? Not exactly. TD Bank is a massive institution that grew by swallowing up smaller banks like Commerce Bank and Banknorth. Because of those old mergers, the number you use depends heavily on where you were when you first signed those account opening papers.
If you moved to Miami from New York but kept your old account, your routing number is still a New York number. It doesn't magically change because you're now living near South Beach.
The ACH vs. Wire Transfer Trap
This is where most people mess up. You have two main "highways" for moving money.
- ACH (Automated Clearing House): This is for your paycheck, your Netflix subscription, and your IRS refund. For these, use the Florida routing number: 067014822.
- Domestic Wire Transfers: If you’re closing on a house or sending a huge chunk of cash fast, you need a wire. TD Bank often uses a centralized routing number for all domestic wires across the country: 031101266.
Using the ACH number for a wire transfer is a great way to have your money bounce back and get hit with a "returned item" fee. Nobody wants that.
How to Double-Check Your Number Without Calling Support
You've probably spent enough time on hold in your life. You don't need to do it again just for nine digits.
The most "source of truth" place to look is a physical check. Look at the bottom left corner. You’ll see a string of numbers printed in that funky, blocky font. The first nine digits on the far left are your routing number. The middle set is your account number.
Don't have a checkbook? No problem.
Jump into the TD Bank mobile app. Tap on your account, then look for "Account Details." It’s usually tucked away under a little "i" icon or a dropdown menu. It will explicitly list both your "Direct Deposit/ACH" number and your "Wire Transfer" number.
What About International Transfers?
If someone is sending you money from London or Tokyo, a routing number won't cut it. Routing numbers are a purely American invention. For the rest of the world, you need a SWIFT code (also called a BIC).
For TD Bank, the SWIFT code is NRTHUS33XXX.
You'll also need to provide your full account number and the bank’s address, which for these purposes is usually listed as their main US office in Cherry Hill, NJ, or the specific branch where you opened the account.
Common Mistakes to Avoid
I've seen people try to use the routing number from a deposit slip. Don't do that. Frequently, the number on a deposit slip is different from the one on a check. It's meant for internal bank routing, not for external transfers.
Another weird quirk? Savings accounts. Usually, the routing number for your TD Bank savings account in Florida is the same as your checking account. However, it's always worth a ten-second check in the app to be certain.
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- Florida ACH/Direct Deposit: 067014822
- Domestic Wire Transfer: 031101266
- International SWIFT Code: NRTHUS33XXX
Why Does This Number Even Exist?
Think of the routing number (officially called an ABA Routing Transit Number) as an address for the Federal Reserve. Back in 1910, the American Bankers Association created this system to make processing paper checks faster.
The first two digits actually tell you which Federal Reserve district the bank belongs to. Florida falls under the 6th District, which is why the Florida number starts with "06."
If you see a TD routing number starting with "02," that’s the 2nd District (New York). "01" is the 1st District (Boston). It’s basically a map of where your money "lives" in the eyes of the government.
Summary of Actionable Steps
If you need to get paid or pay someone else today, follow this checklist:
- Identify the transaction type. If it's a "Wire," use 031101266. If it's a "Direct Deposit" or "Bill Pay," use 067014822.
- Confirm your "Home" state. Ensure you actually opened the account in Florida. If you opened it in New Jersey and just moved to Orlando, your number is 031201360.
- Check the app for "Paperless" confirmation. Log in to the TD Bank portal, click "Statements & Documents," and open any recent PDF statement. The correct routing number for your specific account will be clearly printed at the top.
- Verify the recipient's info. If you are the one sending money, double-check that the person on the other end gave you their bank's routing number, not their debit card number. It happens more than you’d think.