You're standing in a busy office in Center City, or maybe sitting at your kitchen table in Fishtown, staring at a direct deposit form that feels way more complicated than it should. You need the routing number for TD Bank in Philadelphia, and you need it now. It seems simple enough, right? Most people assume there is just one "Philly number" and they’re good to go.
Actually, that’s where the headaches start.
In the world of TD Bank, your routing number is basically your bank’s digital home address. But if you opened your account in South Jersey and now live in Rittenhouse Square, using the "Pennsylvania" number might actually bounce your transfer. Honestly, it's one of those weird banking quirks that catches people off guard every single week.
The Magic Nine Digits: 036001808
If you opened your account at a branch within the state of Pennsylvania—whether that’s the busy spot on 15th and JFK or a quiet suburban branch in Bucks County—the primary routing number for TD Bank in Philadelphia is 036001808.
This is your go-to code for the vast majority of things you do daily. Think about setting up your paycheck to hit your account every Friday morning. Or maybe you're finally setting up that auto-pay for your PECO bill so you don't forget it again. This nine-digit string, officially known as an ABA routing transit number, tells the financial system exactly which vault (metaphorically speaking) your money belongs in.
📖 Related: Panamanian Balboa to US Dollar Explained: Why Panama Doesn’t Use Its Own Paper Money
Why Your Routing Number Might Be Different
Here is the thing about TD Bank: they are "America’s Most Convenient Bank," but their routing system is strictly based on where you were standing when you opened the account.
Philly is unique. We are part of a massive tri-state sprawl. If you lived in Cherry Hill ten years ago and opened your account there before moving across the bridge to Northern Liberties, your routing number isn't the Pennsylvania one. It’s the New Jersey/Delaware one: 031201360.
Using the wrong one is a recipe for a "transaction reversed" notification. If you give your employer the Philly number but your account is technically registered in Jersey, the ACH system might just spit it back out. You’ve basically sent a letter to 123 Main St. in the wrong city.
The Wire Transfer Exception
Wires are a different beast entirely. While ACH transfers (like direct deposits) use the state-specific codes, TD Bank often streamlines domestic wire transfers.
👉 See also: Walmart Distribution Red Bluff CA: What It’s Actually Like Working There Right Now
For a domestic wire transfer, you will frequently see the number 031101266 used. This is a common point of confusion. Many people try to use their "check" routing number for a high-stakes wire transfer to buy a house or send money to a relative, only to have the wire department tell them it's incorrect. Always double-check with the specific branch—like the one on Walnut Street—before you hit "send" on a five-figure wire.
Finding the Number Without Calling a Human
Let's be real: nobody wants to wait on hold for twenty minutes just to get nine digits. You've got options that don't involve elevator music.
The easiest way is to look at a physical check if you still have a checkbook gathering dust in a drawer. Look at the bottom left corner. You’ll see three sets of numbers. The first one on the far left, nestled between two weird little symbols, is your routing number. The middle set is your account number.
If you're paperless, just jump into the TD Bank mobile app. Tap on your account, look for "Account Details," and it’s right there. It’s much safer than guessing based on a Google search, especially if your account history involves moving between states like PA, NJ, or DE.
✨ Don't miss: Do You Have to Have Receipts for Tax Deductions: What Most People Get Wrong
Philadelphia Branch Specifics
Philadelphia is absolutely crawling with TD branches. From the University City location that’s always packed with Penn students to the Old City branch at 399 Market Street, each one operates under that same PA umbrella number 036001808—provided the account was birthed in the Keystone State.
If you are dealing with an international incoming wire, the routing number won't be enough anyway. You'll need the SWIFT code, which for TD Bank is generally NRTHUS33.
Stop Overthinking the Form
Banking feels high-stakes because it involves your rent money, but it’s really just about matching the right labels to the right boxes. If you're filling out a form for a Philadelphia-based employer and your account was opened at a Philly branch, use 036001808.
If you moved here from another state, take thirty seconds to log into your app and confirm. It’s better than waiting three days for a failed transfer to "clear" back into your account.
Actionable Next Steps:
- Verify your "Home" State: Open your TD Bank app and check the "Account Details" section to see if your assigned routing number matches the PA code (036001808) or the NJ code (031201360).
- Update your Payroll: If you recently moved or realized you've been using a generic number, submit a new direct deposit form to your HR department with the verified state-specific routing number.
- Save it as a Contact: Create a "contact" in your phone named "TD Bank Info" and save your routing and account numbers there. It sounds nerdy, but you'll thank yourself the next time you're trying to pay a contractor or set up a new app and don't have your checkbook handy.