If you’re typing TD Bank Matawan NJ into your phone while sitting at the light on Highway 34, you might be a little confused. Technically, the building everyone calls the "Matawan branch" is actually tucked into Aberdeen Township. It’s a distinction that mostly matters to mail carriers and local tax assessors, but for the rest of us, it’s just that green building near the ShopRite where we go to handle our money.
Banking in this part of Monmouth County is kind of a weird experience lately. You’ve got a dozen options within a five-mile radius, but the TD branch at 1045 Highway 34 remains a literal landmark. It’s the place where the "America’s Most Convenient Bank" slogan gets put to the test every single weekend when the local competition has already locked their doors.
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The Reality of the TD Bank Matawan NJ Location
Let’s get the logistics out of the way first because nothing is more annoying than showing up to a dark lobby. The branch is officially the Aberdeen location, but since it shares the 07747 zip code with Matawan, the names are basically interchangeable in local conversation.
They are open when other banks aren't. Honestly, that’s their biggest selling point. While some of the smaller community banks around here might pack it in early on a Friday, the TD on Highway 34 usually stays open until 6:00 PM on Thursdays and Fridays. They even have Sunday hours, which is basically unheard of for traditional banks in the 2026 landscape.
Current Operating Hours (Verified for 2026)
You should know that Monday is currently a "closed" day for the lobby at this specific branch, which catches a lot of people off guard.
- Tuesday & Wednesday: 8:30 AM – 5:00 PM
- Thursday & Friday: 8:30 AM – 6:00 PM
- Saturday: 9:00 AM – 1:00 PM
- Sunday: 11:00 AM – 2:00 PM
The drive-thru usually mirrors these hours, though it can sometimes save you if you’re running five minutes late and the lobby doors are already locked.
Why People Love (and Hate) This Branch
It’s not all sunshine and lollipops at the Matawan/Aberdeen branch. If you look at local sentiment, people are pretty polarized. Some folks swear by the staff—mentioning names like Shabana or the wealth management team—while others have had absolute nightmares with the ATM.
There’s a common complaint that the ATMs at this location are "down" more often than they should be. In early 2025, several customers reported issues where cash deposits weren't being detected by the machines, leading to stressful "investigations" that took days to resolve. If you're depositing a large stack of cash, maybe just walk inside and see a teller. It’s worth the three-minute wait to avoid a week of phone calls.
The "Convenience" Factor
TD Bank built its entire brand on being open longer. In a town like Matawan, where half the population is commuting to the city or working odd hours, those Sunday hours are a lifesaver. You can actually go to the bank after grabbing a bagel at Eli’s or hitting the gym.
But convenience has a price. TD isn't exactly known for having the highest APYs on savings accounts. If you’re looking to park $50,000 and watch it grow, you might find better rates at an online-only bank or even a local credit union. But for a checking account that you can actually access on a Sunday afternoon? This is the spot.
Small Business Banking in Matawan
If you're running a shop on Main Street or a service business out of your garage, the TD Bank Matawan NJ branch offers some specific perks. They have dedicated small business specialists who actually know the local market.
However, be warned: small business owners have reported that TD can be quite strict with fraud alerts. Some local entrepreneurs have had their accounts temporarily frozen for "unusual activity" that was actually just a normal Tuesday for them. It’s a double-edged sword. You want the security, but you don't want your payroll delayed because an algorithm got nervous.
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Merchant Services and Loans
The branch provides onsite services for merchant solutions. If you need a Clover system for your restaurant or a line of credit to renovate a storefront, you can talk to someone like Devon Kitchens (or the current specialist on deck). They also handle:
- Home Lending: Prequalifications for those crazy-expensive Monmouth County houses.
- Wealth Management: For when you finally decide to take retirement seriously.
- Auto Finance: Though, honestly, some people find the TD Auto Finance arm a bit of a headache to deal with compared to the local branch staff.
Navigating the Competition
Matawan isn't a "one-bank" town. If the line at TD is out the door, or if you're tired of the corporate feel, you’ve got options nearby.
Kearny Bank is just down the road at 510 NJ-34. People usually go there for a more "community" feel. They have a 3.5-star rating and a reputation for being friendly, though their hours aren't nearly as flexible as TD’s.
Then there’s Flagstar Bank on Main Street. They’re great if you’re already downtown, but they don’t even open on the weekends. If you're a "Saturday morning errands" kind of person, Flagstar isn't going to help you much.
What to Do If You Have a Problem
Look, big banks are big banks. Sometimes they mess up. If the Matawan branch tellers can't fix your issue, don't just sit there getting mad.
First, ask for the branch manager. Local managers have more "override" power than you’d think, especially for things like fee reversals or temporary hold releases. Second, if it’s a tech issue with the app or a lost card, the phone support (732-765-1061) is your best bet, even though the wait times can be a slog.
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Interestingly, many locals have found that if the Matawan branch is slammed, the Hazlet location (about 2.8 miles away) or the Old Bridge location on Route 516 (4.3 miles away) might be quieter. It’s all about timing.
Actionable Tips for Using TD Bank Matawan NJ
If you want to make your life easier while banking here, follow these steps:
- Avoid the Sunday Rush: Everyone goes between 12:00 PM and 1:00 PM. If you show up right at 11:00 AM, you'll be in and out.
- Check the ATM Before Depositing: If the screen looks glitchy or there’s a "No Cash Deposits" sign taped to it, don't risk it. Go inside.
- Use the App for Small Stuff: Don't wait in line just to check a balance or move $100. The TD mobile app is actually one of the better ones out there for simple transfers.
- Verify Your "Zip": Remember, if you're using a GPS, sometimes it likes "Aberdeen" better than "Matawan" for this address.
- Make an Appointment: If you need to talk about a mortgage or a business loan, call ahead. Walking in and expecting a specialist to be free on a Saturday morning is a recipe for disappointment.
Whether you call it the Matawan branch or the Aberdeen branch, this TD location is a staple of the local economy. It’s busy, it’s green, and it’s usually open when you need it to be. Just keep an eye on those ATM receipts.