You’re staring at a screen. Maybe it’s a direct deposit form from your new boss, or maybe you're trying to set up a mortgage payment before the late fee kicks in at midnight. You need the TD Bank routing number Maryland customers use. Simple, right? Well, sort of. If you just grab the first nine-digit string you see on a random Google image search, you might end up sending your rent money into a digital void.
Banks love to complicate things.
Most people don't realize that your routing number—that "address" for your bank—isn't always tied to where you live now. It’s tied to where you were when you first sat across the desk from a banker and signed those papers. If you opened your account in Baltimore but moved to Bethesda, your number stays the same. But if you moved from New Jersey to Silver Spring and opened a new account, everything changes.
Which TD Bank Routing Number Maryland Residents Actually Use
Let’s get the numbers out of the way first because that’s why you’re here. For the vast majority of personal and business checking accounts opened in the state of Maryland, the primary routing number is 031100209.
Wait.
Before you copy-paste that and close the tab, there is a massive exception. TD Bank, like many of the big East Coast players, grew by devouring smaller banks. Because of how these mergers happened, specifically with the legacy of Commerce Bank and others, some older accounts or specific wire transfers might require a different sequence.
If you are setting up an ACH transfer—think paycheck direct deposits, utility bills, or apps like Venmo—031100209 is your go-to. It’s the workhorse of the TD network in the Mid-Atlantic. However, if you are doing a Domestic Wire Transfer, things get weird. TD Bank often uses a centralized routing number for all domestic incoming wires, which is 026013673.
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Don't mix those up. Using an ACH number for a wire transfer is a great way to have a bank teller tell you three days later that your money is "stalled in processing." It’s a headache you don't want.
The Checkbook Secret
Honestly, the absolute safest way to verify your specific TD Bank routing number Maryland identifier is to look at a physical check. Look at the bottom left corner. You’ll see three sets of numbers. The first set, nine digits long and flanked by a weird little symbol that looks like a colon and a dash, is your routing number. The second set is your account number.
If you don’t have a checkbook (because who carries those in 2026?), log into the TD Bank app. Don't just look at the "Account Summary." You have to click into the specific account, hit "Details," and look for the routing transit number (RTN).
Why Maryland Is a "Special Case" for TD
TD Bank classifies its territory. Maryland sits in a funky spot between the "North" and "South" regions of their legacy infrastructure. If you opened your account in a different state—say, Virginia or D.C.—and just happen to be standing in a Maryland branch right now, your routing number is likely different.
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Maryland accounts typically fall under the "TD Bank, N.A." umbrella with the 0311 prefix. This prefix actually traces back to the Philadelphia/Mid-Atlantic processing centers. It's basically a digital zip code for the Federal Reserve to know which "mailbox" to drop your money into.
Paper vs. Digital
There’s a weird nuance with "Electronic" vs. "Paper" routing numbers. Back in the day, these were different. Now, for almost everyone reading this, they have converged. But if you’re dealing with a very old business account—we’re talking 15+ years old—you might see references to a "paper" number. Ignore it. Use the electronic one. The Federal Reserve's Check 21 Act basically made the distinction irrelevant for modern banking, but the ghosts of that old system still haunt some fine print on bank statements.
Common Mistakes People Make in the DMV
Living in the Maryland, D.C., and Virginia area means you’re constantly crossing state lines. I’ve seen people use a TD Bank routing number Maryland residents use for an account they actually opened at a branch in Tysons Corner, Virginia.
Even though it’s the same bank, and your app looks the same, the routing number is the "DNA" of the account’s origin.
- Opened in MD: 031100209
- Opened in VA/DC: Often the same, but sometimes varies if the account is older.
- Opened in NJ/PA: Different entirely.
If you use the wrong one, the transaction will usually just fail and bounce back. But "usually" is a scary word when you're moving $5,000 for a down payment. If you're sending a domestic wire, always use the 026013673 number regardless of where you opened the account in MD, as that’s their national "hub" for wires.
The Wire Transfer Trap
Let's talk about international wires for a second. If someone in London is trying to send you money to your Maryland account, the routing number is actually useless to them. They need a SWIFT Code or a BIC. For TD Bank in the U.S., that code is generally TDBKUS33.
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You’ll also need to provide your full Maryland branch address. If you don't have a "home" branch, use the address of the main regional office in Baltimore or the specific branch where you signed your paperwork.
How to Verify Without Calling Support
Nobody wants to wait on hold for 20 minutes to hear a robot voice. You can verify your routing number by:
- The TD App: Click the account -> "About this account."
- Online Banking: Look at the top of your monthly statement (PDF).
- The "First Three" Rule: If your routing number starts with 03, you’re generally in the right ballpark for the Mid-Atlantic/Maryland region.
Real-World Action Steps
Don't just wing it. If you're setting up a high-stakes transfer, do these three things:
- Confirm the Transaction Type: Is it ACH or Wire? If it's a paycheck, it's ACH. Use 031100209. If it's a title company for a house, it's a Wire. Use 026013673.
- Check the Origin: Look at your original signature card or your first-ever statement. If it says "Maryland" at the top, you’re golden with the Maryland-specific RTN.
- Do a Test Run: If you're linking a new app like Robinhood or Coinbase, they will do "micro-deposits" (sending a few cents). This is the best way to ensure your TD Bank routing number Maryland info is 100% correct before you move the big bucks.
Double-check your account number too. The routing number gets the money to the bank, but the account number gets it to you. If you're still unsure, grab a deposit slip from the back of your checkbook; the routing number is printed there as well, usually identical to the one on your checks.