Money is stressful. Finding your TD Bank routing number PA shouldn't be. You’re likely staring at a screen, trying to finish a direct deposit form for a new job or maybe setting up a mortgage payment, and you need that nine-digit string of numbers right now.
Pennsylvania is a bit unique when it comes to banking history. Because TD Bank grew through a massive series of acquisitions—think back to the Commerce Bank days—the routing numbers aren't always what you'd expect. If you just guess or use a generic one you found on a random forum, your money might end up in limbo. That’s a nightmare nobody wants.
Banks use these numbers as an address. It's the "where" for your cash. In Pennsylvania, TD Bank primarily uses one specific number for its accounts, but there are nuances based on whether you're handling a wire transfer or just a standard ACH (Automated Clearing House) transaction.
The Number You’re Looking For
Let’s get the vital info out of the way first. For the vast majority of TD Bank customers in Pennsylvania, the routing number is 031201360.
Write it down. Double-check it.
This number applies to personal checking, savings, and even most business accounts across the Keystone State. Whether you're in a brick-lined office in Old City Philadelphia or sitting in a cafe in Allentown, this is usually your go-to. It identifies the "TD Bank, N.A." entity that handles the Pennsylvania region.
But wait. There is a catch.
Why Pennsylvania is Different
Most people think one bank equals one number. That's a myth. Large institutions like TD Bank are essentially "Franken-banks," built from the parts of smaller banks they bought over decades. In PA, much of the infrastructure comes from the old Commerce Bank network. Because of how the Federal Reserve tracks these things, regionality matters.
If you opened your account in New Jersey and moved to Philly, you might still be using a Jersey routing number. If you opened it in Florida and now live in Pittsburgh, same deal. The routing number is tied to the location where the account was originally opened, not where you live now.
It’s a quirk of the American banking system. It feels outdated, honestly. You'd think in 2026 we’d have a more unified system, but we’re still tethered to these regional identifiers.
Wire Transfers vs. ACH: The Secret Trap
Here is where people lose money—or at least lose time.
There is a massive difference between an ACH transfer and a domestic wire transfer.
- ACH is for things like your paycheck, paying your electric bill, or moving money to your Venmo. For this, use the 031201360 number.
- Wire Transfers are for immediate, high-stakes movements. Buying a house? You're wiring money. Sending $10k to a relative? Wire.
Sometimes, TD Bank prefers a different routing number for incoming domestic wires. While the standard PA routing number often works, some departments specifically direct users to a "Wires" routing number to ensure the funds hit the Fedwire system faster. Always verify with the specific branch or the TD app before sending a wire, because a rejected wire often comes with a $25 to $30 "oops" fee.
Finding it on Your Check
If you still use paper checks—and plenty of us do for rent or taxes—look at the bottom left corner.
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You’ll see three sets of numbers.
- The first nine digits are your routing number.
- The middle set is your account number.
- The last set is the check number.
It’s the simplest way to be 100% sure. The check is a legal document; the numbers printed there are the definitive "address" for that specific account.
Common Mistakes to Avoid
Don't just Google "TD Bank routing number" and click the first result. You might get the number for New York or Maine. Using the wrong state’s number won’t necessarily send your money to a stranger, but it will cause the transaction to "bounce" back to the sender.
Imagine your employer tries to pay you on Friday. They use the New York number, but your account is a PA account. The Federal Reserve computer says "No Match." Now your HR department has to wait for the bounce-back, which takes 3 to 5 business days, and then re-issue the payment. You've just missed your rent deadline because of a simple digit error.
Also, watch out for the "Account Number" vs. "Routing Number" mix-up. It sounds silly, but in a rush, people swap them. The routing number is always nine digits. If the number you’re typing is longer or shorter than nine, you’re looking at the wrong thing.
Security and Your Routing Number
Is it dangerous if someone has your TD Bank routing number PA?
Kinda, but not really.
Your routing number is public information. Anyone can find TD Bank’s routing numbers online. However, when combined with your private account number, a bad actor could theoretically print "fake" checks. This is why you should never post a photo of your check on social media, even if you’re celebrating a big bonus or a "First Paycheck" milestone.
Modern banking has layers of fraud protection, but being the victim of a fraudulent ACH pull is a headache that takes weeks to resolve. Keep your account number private; keep your routing number ready for legitimate business.
The Digital Shortcut
If you’re on the go, the TD Bank mobile app is your best friend.
- Log in.
- Tap on your specific account (e.g., "Convenience Checking").
- Look for "Account Details" or a little "i" icon.
The app will display both your account number and the correct routing number for that specific account. This is the "gold standard" of verification because it pulls directly from TD’s internal database for your profile.
Why TD Bank has so many numbers
TD stands for Toronto-Dominion. While they are a massive Canadian powerhouse, their US operations are legally distinct. They operate in the US as TD Bank, N.A. (National Association). Because they've swallowed up banks from Maine to Florida, they inherited a patchwork of routing numbers.
The Federal Reserve limits how many routing numbers a single bank "charter" can have, which is why TD has spent years consolidating them. Even so, the Pennsylvania/Delaware/South Jersey corridor remains a specific hub with its own legacy systems.
Actionable Steps for PA Residents
Don't leave your financial transactions to chance.
- Verify the Origin: If you opened your account at a branch in Pittsburgh or Philadelphia, use 031201360.
- The Check Test: Look at your physical checkbook. If the routing number there differs from what you see online, trust the checkbook for that specific account.
- Direct Deposit Forms: When filling out a direct deposit form, always include the bank name as "TD Bank, N.A." and use the address of your local branch or the main PA headquarters in Cherry Hill/Philadelphia area.
- International Issues: If you are receiving money from outside the US, a routing number isn't enough. You will need a SWIFT Code. For TD Bank, this is usually TDOMUS33. International transfers are a whole different beast and require more than just the PA-specific digits.
Getting the TD Bank routing number PA right is about more than just numbers; it's about making sure your financial life runs without friction. Double-check your app, verify your opening location, and always distinguish between a standard bill pay and a high-priority wire transfer.