You’re staring at your screen, trying to set up a direct deposit or pay a bill, and you need that specific nine-digit code. You search for the TD Bank VA routing number because, well, you live in Virginia. It makes sense. But here is the kicker: if you go looking for a "Virginia-specific" routing number on the official TD Bank charts, you’re going to run into a wall.
TD Bank doesn't actually have a unique routing number for Virginia.
It sounds weird, right? Most big banks have a different number for every state they touch. But TD Bank operates a bit differently due to its history of mergers and how it structures its regional hubs. If you opened your account in a Virginia branch, or if you’ve moved to Richmond or Virginia Beach and now call the Old Dominion home, you are actually using a routing number tied to a different geographic region altogether. Usually, that’s Pennsylvania or New Jersey.
The Mystery of the Missing Virginia Code
Banks use routing transit numbers (RTNs) to identify the financial institution responsible for a transaction. It’s basically an address for your money. Back in the day, these were strictly geographic. Now? It’s a mess of legacy systems.
For TD Bank customers in Virginia, the number you are almost certainly looking for is 031201360.
Wait, why that number? That’s the routing number for TD Bank’s "Pennsylvania/Southern New Jersey" region. When TD Bank expanded south into the Mid-Atlantic and Southeast, they didn't always create new routing numbers for every single state. Instead, they folded new territories into existing regional umbrellas. Virginia falls under the same umbrella as PA and DE for most administrative purposes.
Why does this matter for your paycheck?
If you give your employer a "Virginia" number that doesn't exist, your paycheck bounces. Or worse, it hangs out in digital limbo for three days while some automated system tries to figure out where "VA-TD-Bank" is supposed to live. You don't want that. You want your money.
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How to Verify Your Specific Number Without Guessing
Don't just take a random number from a blog post—even this one—and bet your mortgage on it. You need to verify it. There are three ways to do this that are foolproof.
First, look at a physical check. If you still have a checkbook (some of us do!), look at the bottom left corner. You’ll see three sets of numbers. The first nine digits are your routing number. The second set is your account number. The third is the check number.
If you don't have checks, log into the TD Bank mobile app. It's usually tucked away under "Account Details" or "Account Info."
The Wire Transfer Trap
Here is a nuance that trips people up. Are you receiving a domestic wire transfer or an ACH transfer? Most people looking for the TD Bank VA routing number are doing it for ACH—things like direct deposit, paying the electric bill, or linking a PayPal account.
Domestic wires sometimes use a different number. For TD Bank, luckily, they generally use the same routing number for both ACH and domestic wires, but it is always worth double-checking the "Wire Transfer" section of their website if you are moving a large sum of money, like a down payment for a house. International wires? That’s a whole different beast involving SWIFT codes, not routing numbers. Don't mix them up or your money might end up in a holding account in London.
Common Misconceptions About Banking in Virginia
People often think that because they live in Arlington, they should use a "Washington D.C." routing number. Or they think that because TD Bank is "America’s Most Convenient Bank," there’s a universal number for everyone.
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Nope.
Routing numbers are assigned by the American Bankers Association (ABA). They are tied to the legal entity that holds your deposit. Because TD Bank grew by acquiring other banks—like Commerce Bank—they inherited those banks' routing numbers. Commerce Bank was huge in Jersey and PA. When they moved into Virginia, they just kept using those established pipelines.
What if you moved from New York to Virginia?
This is a common headache. If you opened your account in NYC and then moved to Norfolk, your TD Bank VA routing number isn't actually a Virginia number at all. It’s still the New York number. Your routing number is tied to the branch where you opened the account, not where you live now.
I know, it’s annoying. You’d think in 2026 we would have a more fluid system, but banking infrastructure is built on code that is sometimes older than the people using it.
- Scenario A: You opened the account in Richmond. Use the PA/S.NJ number (031201360).
- Scenario B: You opened the account in Maine and moved to Virginia. Use the Maine number.
- Scenario C: You opened the account online while living in Virginia. You’ll likely be assigned the PA/S.NJ number by default.
The Technical Side: Decoding the Nine Digits
Those nine digits aren't just random. The first two digits (01 through 12) represent the Federal Reserve district. The third digit tells you which Federal Reserve check processing center handles the bank’s items. For Virginia/PA/DE, you are looking at District 3, which is the Federal Reserve Bank of Philadelphia.
That is why the number starts with 03.
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If you see a routing number starting with 05, that’s the Richmond Federal Reserve district. Many other banks in Virginia start with 05. But TD Bank’s headquarters and primary processing hubs for this region are centered further north, which is why they use the 03 prefix. It’s a bit of a geographical "gotcha" for anyone trying to guess the number based on where they are standing.
Security and Your Routing Number
Is it dangerous to share your routing number? Sort of, but not really. Your routing number is public information. I can find the routing number for any bank in the country in about five seconds.
The danger comes when you pair it with your account number. Together, they are the keys to your vault. When you’re setting up a "Pay by Phone" or a new vendor, always ensure you are on a secure site. Scammers love to "verify" your routing number as a way to sound legitimate before asking for the account number.
Honestly, if someone asks for your routing number and you're unsure, just give them the one for the Philadelphia district if you’re a VA customer. It’s the standard.
What happens if you use the wrong one?
Usually, the transaction just fails. The "receiving" bank looks at the digits, realizes they don't have an account matching yours in that specific region, and sends the money back. The problem is the "send back" can take 5 to 10 business days. If that was your rent money, you're in for a stressful week.
Practical Steps to Take Right Now
Stop searching through random forums. If you are in Virginia and need your routing number for a standard transaction, follow these steps to be 100% sure.
- Check your digital statement. Download a PDF of your most recent bank statement from the TD Bank app or website. The routing number is almost always printed at the top or bottom of the first page. This is the "official" word.
- Use the PA/S.NJ number if prompted. If you are filling out a form that asks for your state and then provides a drop-down, and Virginia isn't there, select Pennsylvania. It feels wrong, but for TD Bank, it's often the correct administrative path for Virginia residents.
- Call the branch. If you’re doing something high-stakes—like an IRS tax payment or a legal settlement—call a local branch in Alexandria or wherever is closest. Ask them specifically: "I opened my account in Virginia; which routing number should I use for an ACH transfer?"
- Update your records. Once you have the number, save it in a secure password manager or a note on your phone. Label it clearly as "TD Bank ACH Routing" so you don't have to go through this hunt again in six months.
Most people find that 031201360 is the magic key for Virginia accounts. Just remember that banking geography doesn't always follow state lines. It follows the path of least resistance for the bank's internal servers.
Confirm your account's "home" state by looking at your initial paperwork or your online profile under "Account Settings." If it says your home branch is in Virginia, you’re part of the Mid-Atlantic region, and the Philly-based routing number is your go-to. If you moved from the North, stick with your original number. Your money stays where it started, even if you don't.