You're standing in the middle of a grocery store or sitting at your desk, trying to set up a direct deposit, and suddenly the form asks for that nine-digit string. It's frustrating. You know you bank with TD, and you know you live in New Jersey, but which number actually works?
Using the wrong digits can lead to a "payment returned" nightmare or, even worse, money floating in the digital void for days. Honestly, most people think there is just one single number for the entire state. That is not exactly how it works with a bank as big as TD.
The primary routing number for TD Bank in NJ is 031201360.
This specific sequence is what you'll use for the vast majority of your daily financial life. If you are setting up your paycheck to hit your checking account every Friday, use this. If you are paying your PSE&G bill or your water bill online, this is the one. It covers almost all ACH transactions—which is just a fancy banking term for electronic transfers—and it's the standard for accounts opened in the Garden State.
Why Jersey has its own "Address"
Think of a routing number like a zip code for your money. Just like you wouldn't send a letter to Newark using a Trenton zip code, the Federal Reserve needs to know exactly which "vault" to drop your cash into. TD Bank grew by gobbling up other banks over the years, like the old Commerce Bank (remember the red pens?). Because of those mergers, the "paper trail" for accounts in New Jersey and Delaware ended up getting consolidated under that 031201360 code.
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Wait, though.
If you're doing a wire transfer, everything changes.
The Wire Transfer Trap
This is where people get tripped up and hit with "failed transaction" fees. Domestic wire transfers—the kind where you're sending thousands for a house closing or an urgent business deal—often don't use the state-specific number. For domestic wires, TD Bank typically uses 031101266.
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If you use the New Jersey ACH number for a wire, the system might kick it back. It’s a subtle difference, but in the world of banking, a single digit is the difference between a successful house closing and a very stressful phone call with a lawyer.
Checking the Bottom of Your Check
If you still have one of those old-school checkbooks tucked in a drawer, it’s the easiest way to verify your specific info. Look at the bottom left. You’ll see three sets of numbers.
- The first nine digits on the left? That’s your routing number.
- The middle set? That’s your account number.
- The tiny number on the far right? That’s just the check number.
If your check was issued for a New Jersey account, it should definitely show 031201360.
Finding Your Number on the TD App
Most of us aren't carrying paper checks in 2026. If you're on the go, the TD Bank mobile app is actually pretty decent for finding this without digging through files.
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Basically, you just log in and tap on the account you’re curious about—like your "Convenience Checking." Look for a tab or link that says Account Details or Direct Deposit Info. Usually, there’s even a "Pre-filled Direct Deposit Form" option that you can download as a PDF. It’ll have the routing number, your account number, and the bank’s address (which is usually the Cherry Hill or Mount Laurel headquarters for NJ users) all ready to go.
International Transfers: A Different Beast
If someone is sending you money from London or Tokyo, a routing number won't cut it. They’ll ask for a SWIFT code or a BIC. For TD Bank in the U.S., the SWIFT code is NRTHUS33. Sometimes you’ll see it with "XXX" at the end, which just points to the main office rather than a specific branch. Either way, that’s what gets the money across the ocean.
Common Mistakes to Avoid
- Mixing up NJ and NY: If you moved from Hoboken to Manhattan but kept your Jersey account, your routing number stays Jersey. It’s based on where you opened the account, not where you live now.
- Trusting old forms: Banks occasionally consolidate. While TD's Jersey number has been stable for a while, always double-check your latest electronic statement.
- Savings vs. Checking: Generally, at TD, your NJ routing number is the same for both. But don't assume; verify the "Account Details" in the app for each one.
What to Do Next
- Verify your account origin: If you opened your account in a different state (like New York or Pennsylvania) and just moved to New Jersey, do not use the NJ routing number. Use the one for the state where the account was born.
- Screenshot it: Once you find your correct number in the TD app, take a screenshot and keep it in a "Banking" folder in your photos. It saves you from logging in every time a form asks for it.
- Confirm the transfer type: If you're receiving a large sum of money, ask the sender if they are sending an ACH or a Wire. If it's a wire, give them 031101266. If it's a standard transfer, stick with 031201360.
By keeping these two numbers straight, you'll avoid the most common headaches associated with New Jersey banking.