Is Td Bank a reliable option for your banking needs? Bankprofits.net delves into TD Bank’s services, profitability strategies, and financial performance to help you make informed decisions. Discover how TD Bank compares to its competitors and whether it aligns with your financial goals, exploring factors impacting bank profitability.
1. What Exactly Is TD Bank and What Does It Offer?
TD Bank, or Toronto-Dominion Bank, stands as a prominent financial institution offering a wide array of banking and financial services. It caters to individuals, small businesses, and large corporations alike. Here’s a breakdown of what TD Bank provides:
- Personal Banking: Includes checking and savings accounts, credit cards, mortgages, personal loans, and investment options.
- Business Banking: Offers solutions such as business checking and savings accounts, business loans, merchant services, and cash management.
- Wealth Management: Provides services like investment management, retirement planning, and estate planning.
- Commercial Banking: Caters to larger corporations with services like commercial lending, treasury management, and investment banking.
TD Bank distinguishes itself through its extensive branch network along the East Coast of the United States and its commitment to customer service. Its focus on convenience and accessibility makes it a popular choice for many customers.
2. What Are the Key Features of TD Bank’s Checking Accounts?
TD Bank offers a variety of checking accounts designed to meet different customer needs. Key features include:
- TD Simple Checking: A straightforward account with a low monthly fee, waived if certain balance requirements are met.
- TD Convenience Checking: Offers more features such as interest earning and additional benefits for maintaining higher balances.
- TD Premier Checking: Provides premium benefits, including higher interest rates, waived fees, and personalized service for customers with significant balances.
These accounts often include features like mobile banking, online bill pay, and access to a vast ATM network. TD Bank’s checking accounts are designed to provide both convenience and value to their customers.
3. How Does TD Bank’s Mobile App Enhance the Banking Experience?
TD Bank’s mobile app significantly enhances the banking experience by providing customers with convenient access to their accounts and a range of banking services on the go. Key features of the app include:
- Account Management: View balances, transaction history, and account details.
- Mobile Deposit: Deposit checks remotely by taking a photo.
- Bill Pay: Pay bills quickly and easily from your mobile device.
- Funds Transfer: Transfer money between TD Bank accounts or to external accounts.
- ATM Locator: Find nearby TD Bank ATMs.
- Security Features: Enhanced security measures, including biometric login and fraud alerts.
The mobile app is designed to provide a seamless and secure banking experience, allowing customers to manage their finances anytime, anywhere.
4. What Credit Card Options Are Available Through TD Bank?
TD Bank offers a variety of credit card options designed to cater to different spending habits and financial goals. Some of the popular credit cards available through TD Bank include:
- TD Double Up Credit Card: Offers cash-back rewards on all purchases.
- TD Cash Credit Card: Provides cash-back rewards on everyday spending categories.
- TD Rewards Credit Card: Allows you to earn points that can be redeemed for travel, merchandise, or cash back.
These cards often come with benefits such as introductory APRs, balance transfer options, and travel insurance. TD Bank’s credit cards are designed to provide value and convenience to cardholders.
5. How Competitive Are TD Bank’s Mortgage Rates Compared to Other Lenders?
TD Bank’s mortgage rates are generally competitive compared to other lenders. However, rates can vary based on factors such as credit score, down payment, and loan term. It’s always a good idea to compare rates from multiple lenders to ensure you’re getting the best deal.
According to a 2023 report by the Consumer Financial Protection Bureau (CFPB), comparing mortgage rates from multiple lenders can save borrowers thousands of dollars over the life of the loan. TD Bank offers a variety of mortgage products, including fixed-rate mortgages, adjustable-rate mortgages, and FHA loans.
6. What Types of Loans Does TD Bank Offer for Small Businesses?
TD Bank provides a range of loan options for small businesses, designed to meet various financing needs. These include:
- Small Business Loans: Term loans for general business purposes.
- SBA Loans: Loans backed by the Small Business Administration, offering favorable terms.
- Commercial Real Estate Loans: Financing for purchasing or refinancing commercial properties.
- Business Lines of Credit: Flexible financing for working capital needs.
These loan products are designed to help small businesses grow and manage their finances effectively. TD Bank also offers additional services such as business checking accounts and merchant services to support small business operations.
7. How Does TD Bank Support Its Customers Through Online Banking?
TD Bank supports its customers through a comprehensive online banking platform that provides a wide range of services and features. Online banking allows customers to:
- Access Accounts: View account balances, transaction history, and statements.
- Pay Bills: Schedule and pay bills online.
- Transfer Funds: Transfer money between accounts or to external accounts.
- Manage Cards: Activate new cards, report lost or stolen cards, and set up alerts.
- Customer Service: Access customer support through online chat or secure messaging.
TD Bank’s online banking platform is designed to be user-friendly and secure, providing customers with 24/7 access to their accounts.
8. What Are the Advantages of Banking with TD Bank?
Banking with TD Bank offers several advantages, including:
- Convenient Branch Network: Extensive branch network along the East Coast of the United States.
- Comprehensive Services: Wide range of banking and financial services for individuals and businesses.
- Customer Service: Focus on providing excellent customer service.
- Online and Mobile Banking: User-friendly online and mobile banking platforms.
- Variety of Products: Diverse range of banking products to meet different needs.
These advantages make TD Bank a popular choice for customers looking for a reliable and customer-focused banking experience.
9. How Does TD Bank Ensure the Security of Its Customers’ Accounts?
TD Bank employs a variety of security measures to ensure the safety and security of its customers’ accounts. These measures include:
- Encryption: Using encryption technology to protect sensitive information during online transactions.
- Fraud Monitoring: Monitoring accounts for suspicious activity and providing fraud alerts.
- Two-Factor Authentication: Requiring two forms of identification to access accounts.
- Secure Login: Using secure login procedures, including biometric authentication.
- Data Protection: Implementing strict data protection policies and procedures.
These security measures are designed to protect customers from fraud and unauthorized access to their accounts, as highlighted in a 2022 report by the American Bankers Association.
10. What Are the Common Fees Associated with TD Bank Accounts?
Like all banks, TD Bank charges fees for certain services and account activities. Common fees associated with TD Bank accounts include:
- Monthly Maintenance Fees: Charged for certain checking and savings accounts if balance requirements are not met.
- Overdraft Fees: Charged when an account is overdrawn.
- ATM Fees: Charged for using non-TD Bank ATMs.
- Wire Transfer Fees: Charged for sending or receiving wire transfers.
- Stop Payment Fees: Charged for stopping payment on a check.
It’s important to review the fee schedule for your specific account to understand the potential costs associated with banking with TD Bank. TD Bank provides fee schedules and account agreements on its website and at branch locations.
11. How Can I Find the Nearest TD Bank Branch or ATM?
Finding the nearest TD Bank branch or ATM is easy. You can use the following methods:
- TD Bank Website: Visit the TD Bank website and use the branch locator tool.
- TD Bank Mobile App: Use the ATM and branch locator feature in the mobile app.
- Google Maps: Search for “TD Bank near me” on Google Maps.
These tools will help you quickly and easily find the nearest TD Bank location, ensuring convenient access to banking services.
12. What Is TD Bank’s Routing Number and Why Is It Important?
TD Bank’s routing number is a nine-digit code that identifies the bank for financial transactions. The routing number varies depending on the state where the account was opened. Here are some common TD Bank routing numbers:
- For accounts opened in Connecticut, Delaware, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Rhode Island, South Carolina, or Vermont: 011000039
- For accounts opened in North Carolina or Virginia: 053902197
The routing number is essential for setting up direct deposits, electronic payments, and wire transfers. It ensures that funds are correctly routed to the intended bank.
13. What Should I Do If I Suspect Fraud on My TD Bank Account?
If you suspect fraud on your TD Bank account, take the following steps immediately:
- Contact TD Bank: Call TD Bank’s customer service line to report the fraud.
- Change Your Password: Change your online banking password and any other relevant passwords.
- Review Your Account: Review your account statements and transaction history for any unauthorized activity.
- File a Police Report: File a police report if you believe you are a victim of identity theft.
- Place a Fraud Alert: Place a fraud alert on your credit report with the major credit bureaus.
Taking these steps promptly can help minimize the impact of fraud and protect your financial information.
14. How Does TD Bank Support Community Development?
TD Bank is committed to supporting community development through various initiatives and programs. These include:
- Charitable Giving: Providing grants and donations to local organizations and non-profits.
- Community Development Lending: Investing in affordable housing and community development projects.
- Volunteer Programs: Encouraging employees to volunteer their time and expertise in the community.
- Financial Literacy Programs: Offering financial education programs to help individuals and families improve their financial well-being.
TD Bank’s community development efforts are designed to create positive change and support the economic vitality of the communities it serves, as detailed in TD Bank’s annual Corporate Social Responsibility Report.
15. What Are TD Bank’s Hours of Operation?
TD Bank’s hours of operation vary by location. However, many branches are open during the following hours:
- Monday to Friday: 8:30 AM to 5:00 PM
- Saturday: 9:00 AM to 1:00 PM
- Sunday: Closed
It’s best to check the specific hours of operation for your local branch on the TD Bank website or mobile app, ensuring you have the most accurate information.
16. How Does TD Bank Handle Overdraft Protection?
TD Bank offers several options for overdraft protection to help customers avoid overdraft fees. These include:
- TD Debit Card Advance: Allows you to overdraw your account for ATM and one-time debit card transactions (subject to a fee).
- Overdraft Grace: Provides an opportunity to receive refunds for overdraft fees if your account balance is brought to at least $0 by the end of the next business day.
- Standard Overdraft Service: May allow ACH payments, recurring debit transactions, and personal checks to go through for a fee.
- Overdraft Line of Credit: Links a line of credit to your checking account to cover overdrafts.
- Savings Overdraft Transfer: Automatically transfers funds from your savings account to cover overdrafts.
Customers can choose the overdraft protection option that best fits their needs to manage their accounts effectively.
17. What Is TD Bank’s Customer Service Phone Number?
TD Bank’s customer service phone number is 1-888-751-9000. This number can be used to reach TD Bank customer service for assistance with account inquiries, technical support, and other banking needs. The customer service line is available during business hours, and TD Bank also offers online chat support for added convenience.
18. How Does TD Bank Compare to Other Major Banks in the US?
TD Bank compares favorably to other major banks in the US in several areas:
- Customer Service: TD Bank is often praised for its customer service, with many branches offering longer hours and weekend availability.
- Branch Network: TD Bank has a strong presence along the East Coast, making it convenient for customers in that region.
- Online and Mobile Banking: TD Bank offers a user-friendly online and mobile banking platform with a wide range of features.
- Product Variety: TD Bank offers a diverse range of banking products to meet different customer needs.
However, TD Bank may have a smaller national footprint compared to some of the larger national banks. A 2024 study by J.D. Power ranked TD Bank highly for customer satisfaction in the retail banking sector in the Mid-Atlantic region.
19. What Is TD Bank’s Policy on Identity Theft?
TD Bank has a comprehensive policy on identity theft to protect its customers. The policy includes:
- Fraud Monitoring: Monitoring accounts for suspicious activity and providing fraud alerts.
- Customer Education: Providing resources and information to help customers protect themselves from identity theft.
- Account Protection: Implementing security measures to prevent unauthorized access to accounts.
- Fraud Resolution: Providing assistance to customers who have been victims of identity theft to resolve the issue.
TD Bank is committed to helping customers prevent and resolve identity theft issues, ensuring a safe and secure banking experience.
20. How Can I Open an Account with TD Bank?
Opening an account with TD Bank is a straightforward process. You can open an account in one of the following ways:
- Online: Visit the TD Bank website and complete the online application.
- In Person: Visit a local TD Bank branch and speak with a customer service representative.
You will need to provide personal information, such as your Social Security number, driver’s license or other identification, and funding for the initial deposit. TD Bank offers a variety of account options to meet different customer needs.
21. What Types of Investment Services Does TD Bank Offer?
TD Bank provides a range of investment services designed to help customers achieve their financial goals. These services include:
- Investment Management: Professional investment management services for individuals and institutions.
- Retirement Planning: Assistance with retirement planning, including 401(k)s, IRAs, and other retirement accounts.
- Financial Planning: Comprehensive financial planning services to help customers manage their finances and achieve their goals.
- Brokerage Services: Access to a wide range of investment products, including stocks, bonds, and mutual funds.
TD Bank’s investment services are designed to provide customers with the expertise and resources they need to make informed investment decisions.
22. How Does TD Bank Handle Customer Complaints?
TD Bank is committed to addressing customer complaints in a timely and effective manner. Customers can submit complaints through the following channels:
- Phone: Call TD Bank’s customer service line to speak with a representative.
- Online: Submit a complaint through the TD Bank website or mobile app.
- In Person: Visit a local TD Bank branch and speak with a customer service representative.
- Mail: Send a written complaint to TD Bank’s customer service department.
TD Bank’s customer service team will investigate the complaint and work to resolve the issue to the customer’s satisfaction.
23. What Is TD Bank’s Privacy Policy?
TD Bank’s privacy policy outlines how the bank collects, uses, and protects customer information. Key aspects of the policy include:
- Information Collection: TD Bank collects personal information from customers to provide banking services and comply with legal requirements.
- Information Use: TD Bank uses customer information to process transactions, provide customer support, and offer products and services.
- Information Protection: TD Bank implements security measures to protect customer information from unauthorized access and disclosure.
- Information Sharing: TD Bank may share customer information with third parties, such as service providers and regulatory agencies, as permitted by law.
TD Bank is committed to protecting customer privacy and ensuring the confidentiality of personal information.
24. How Does TD Bank Support Financial Literacy?
TD Bank supports financial literacy through various programs and initiatives designed to help individuals and families improve their financial well-being. These include:
- Financial Education Workshops: Offering workshops and seminars on topics such as budgeting, saving, and investing.
- Online Resources: Providing online resources and tools to help customers manage their finances.
- Community Partnerships: Partnering with local organizations to provide financial literacy programs to underserved communities.
TD Bank’s financial literacy efforts are designed to empower customers with the knowledge and skills they need to make informed financial decisions.
25. What Are TD Bank’s Core Values?
TD Bank’s core values guide its business practices and relationships with customers, employees, and the community. These values include:
- Customer Focus: Putting customers first and providing exceptional service.
- Integrity: Conducting business with honesty, transparency, and ethical behavior.
- Teamwork: Working together to achieve common goals and support each other.
- Innovation: Embracing new ideas and technologies to improve products and services.
- Community: Supporting the communities it serves through charitable giving and volunteer efforts.
TD Bank’s core values reflect its commitment to creating a positive impact on its stakeholders and the world.
26. How Can I Close My Account with TD Bank?
Closing an account with TD Bank is a simple process. You can close your account in one of the following ways:
- In Person: Visit a local TD Bank branch and speak with a customer service representative.
- Written Request: Send a written request to TD Bank’s customer service department.
You will need to provide your account information and instructions on how to handle any remaining funds in the account. TD Bank will process your request and close the account in a timely manner.
27. Does TD Bank Offer Services for Non-Profit Organizations?
Yes, TD Bank offers a range of services for non-profit organizations, including:
- Business Checking Accounts: Checking accounts designed specifically for non-profits with features like low or no monthly fees.
- Business Savings Accounts: Savings accounts to help non-profits manage their funds and earn interest.
- Loans and Financing: Access to loans and financing options for non-profit organizations.
- Cash Management Services: Services to help non-profits manage their cash flow and streamline their financial operations.
TD Bank is committed to supporting non-profit organizations and helping them achieve their missions.
28. How Does TD Bank Use Technology to Improve Customer Experience?
TD Bank leverages technology to improve the customer experience in several ways:
- Mobile Banking: Providing a user-friendly mobile app that allows customers to manage their accounts, deposit checks, and pay bills on the go.
- Online Banking: Offering a comprehensive online banking platform with a wide range of services and features.
- ATM Network: Maintaining a vast ATM network that provides customers with convenient access to their funds.
- Digital Wallets: Supporting digital wallets like Apple Pay and Google Pay for easy and secure payments.
- AI-Powered Chatbots: Using AI-powered chatbots to provide instant customer support and answer frequently asked questions.
TD Bank’s technology initiatives are designed to enhance the customer experience and make banking more convenient and accessible.
29. What Are the Benefits of Using TD Bank’s Online Bill Pay Service?
Using TD Bank’s online bill pay service offers several benefits, including:
- Convenience: Pay bills quickly and easily from your computer or mobile device.
- Automation: Schedule recurring payments to avoid late fees.
- Security: Protect your financial information with secure online transactions.
- Organization: Track your bill payments and view your payment history online.
- Cost Savings: Save on postage and check-writing fees.
TD Bank’s online bill pay service is a convenient and efficient way to manage your bills and simplify your finances.
30. How Does TD Bank Support Veteran and Military Communities?
TD Bank is committed to supporting veteran and military communities through various initiatives and programs, including:
- Military Banking Services: Offering specialized banking services for military personnel and veterans, such as waived fees and special loan programs.
- Employment Opportunities: Providing employment opportunities for veterans and military spouses.
- Charitable Giving: Supporting organizations that provide services and support to veterans and military families.
- Community Partnerships: Partnering with local organizations to provide resources and programs to the veteran community.
TD Bank’s support for veteran and military communities reflects its commitment to honoring and serving those who have served our country.
31. What Is TD Bank’s Commitment to Environmental Sustainability?
TD Bank is committed to environmental sustainability and has implemented various initiatives to reduce its environmental impact. These include:
- Energy Efficiency: Implementing energy-efficient technologies and practices in its buildings and operations.
- Renewable Energy: Investing in renewable energy sources and reducing its carbon footprint.
- Sustainable Lending: Providing financing for environmentally sustainable projects.
- Paper Reduction: Reducing paper consumption through digital banking and online services.
- Community Engagement: Engaging employees and customers in environmental sustainability efforts.
TD Bank’s commitment to environmental sustainability reflects its belief that it has a responsibility to protect the planet for future generations.
32. What Are the Key Things to Consider Before Choosing TD Bank?
Before choosing TD Bank, consider the following factors:
- Location: TD Bank has a strong presence along the East Coast. If you live outside this region, you may not have convenient access to branches.
- Fees: Review TD Bank’s fee schedule and compare it to other banks to ensure you are comfortable with the potential costs.
- Services: Consider the range of banking services you need and whether TD Bank offers the products and services that meet your needs.
- Customer Service: Read reviews and consider TD Bank’s reputation for customer service.
- Technology: Evaluate TD Bank’s online and mobile banking platforms to ensure they are user-friendly and meet your needs.
By considering these factors, you can make an informed decision about whether TD Bank is the right choice for you.
33. How Can I Contact TD Bank’s Media Relations Department?
To contact TD Bank’s media relations department, you can use the following contact information:
- Website: Visit the TD Bank media relations page on their official website.
- Phone: Call the main TD Bank customer service line and request to be connected to the media relations department.
- Email: Check the TD Bank website for a specific media relations email address.
This will allow you to direct your inquiries to the appropriate department for media-related matters.
34. What Are the Ways TD Bank Is Involved in Local Communities?
TD Bank is actively involved in local communities through various initiatives and programs, including:
- Charitable Giving: Providing grants and donations to local organizations and non-profits.
- Volunteer Programs: Encouraging employees to volunteer their time and expertise in the community.
- Community Development Lending: Investing in affordable housing and community development projects.
- Financial Literacy Programs: Offering financial education programs to help individuals and families improve their financial well-being.
- Community Events: Sponsoring and participating in local community events.
TD Bank’s community involvement efforts are designed to create positive change and support the economic vitality of the communities it serves.
35. How Does TD Bank Support Education Initiatives?
TD Bank supports education initiatives through various programs and partnerships, including:
- Scholarship Programs: Providing scholarships to students pursuing higher education.
- Educational Grants: Offering grants to schools and educational organizations.
- Financial Literacy Programs: Supporting financial literacy programs for students of all ages.
- Partnerships with Schools: Partnering with local schools to provide resources and support.
- Employee Volunteerism: Encouraging employees to volunteer their time in schools and educational programs.
TD Bank’s support for education initiatives reflects its commitment to investing in the future and helping students achieve their full potential.
36. What Is TD Bank’s Stance on Diversity and Inclusion?
TD Bank is committed to diversity and inclusion and has implemented various initiatives to promote these values, including:
- Diversity and Inclusion Policies: Implementing policies that promote diversity and inclusion in the workplace.
- Employee Resource Groups: Supporting employee resource groups that provide a platform for employees to connect and share their experiences.
- Diversity Training: Providing diversity training to employees to raise awareness and promote understanding.
- Supplier Diversity: Promoting diversity among its suppliers.
- Community Partnerships: Partnering with diverse community organizations.
TD Bank’s commitment to diversity and inclusion reflects its belief that a diverse and inclusive workforce is essential for success.
37. How Secure Is TD Bank’s Online Banking Platform?
TD Bank’s online banking platform employs robust security measures to protect customer information and prevent fraud. These measures include:
- Encryption: Using encryption technology to protect sensitive information during online transactions.
- Two-Factor Authentication: Requiring two forms of identification to access accounts.
- Fraud Monitoring: Monitoring accounts for suspicious activity and providing fraud alerts.
- Secure Login: Using secure login procedures, including biometric authentication.
- Data Protection: Implementing strict data protection policies and procedures.
TD Bank is committed to ensuring the security of its online banking platform and protecting customer information.
38. Can I Manage My TD Bank Account from Multiple Devices?
Yes, you can manage your TD Bank account from multiple devices, including:
- Computers: Access your account through the TD Bank website.
- Smartphones: Use the TD Bank mobile app to manage your account on the go.
- Tablets: Access your account through the TD Bank mobile app or website on your tablet.
TD Bank’s online and mobile banking platforms are designed to be accessible from a variety of devices, providing you with the flexibility to manage your account anytime, anywhere.
39. What Are the Benefits of Opening a Business Account with TD Bank?
Opening a business account with TD Bank offers several benefits, including:
- Business Banking Services: Access to a range of business banking services, such as business checking and savings accounts, loans, and cash management.
- Convenient Branch Network: Access to a vast branch network along the East Coast.
- Online and Mobile Banking: User-friendly online and mobile banking platforms for managing your business finances.
- Dedicated Support: Access to dedicated business banking specialists who can provide personalized support and advice.
- Merchant Services: Access to merchant services, such as credit card processing and payment solutions.
TD Bank’s business accounts are designed to help businesses manage their finances and grow their operations.
40. How Can I Set Up Direct Deposit with TD Bank?
Setting up direct deposit with TD Bank is a simple process. You will need to provide the following information to your employer or the organization that will be making the direct deposit:
- TD Bank’s Routing Number: (varies by state, see above).
- Your Account Number: This can be found on your checks or by logging into your online banking account.
Once you have provided this information, the direct deposit will typically be set up within one to two pay cycles.
Is TD Bank the right choice for you? At bankprofits.net, we provide in-depth analyses of various banks, including TD Bank, to help you make informed decisions. Explore our resources today to discover how TD Bank’s strategies can impact your financial success.
Alt text: TD Bank branch exterior showcasing the bank’s logo and building design, emphasizing its physical presence and accessibility for customers.
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FAQ: Frequently Asked Questions About TD Bank
1. What is TD Bank known for?
TD Bank is known for its extensive branch network along the East Coast of the United States, its focus on customer service, and its comprehensive range of banking products and services for individuals and businesses.
2. Is TD Bank a safe bank to deposit money?
Yes, TD Bank is considered a safe bank to deposit money. It is FDIC-insured, meaning your deposits are protected up to $250,000 per depositor, per insured bank.
3. How does TD Bank compare to other major banks?
TD Bank compares favorably to other major banks in terms of customer service, branch network convenience (especially on the East Coast), and a wide range of banking products.
4. What are the main advantages of banking with TD Bank?
The main advantages of banking with TD Bank include convenient branch access, comprehensive banking services, a user-friendly online and mobile banking platform, and a focus on customer service.
5. What types of accounts does TD Bank offer?
TD Bank offers a variety of accounts, including checking accounts, savings accounts, credit cards, mortgages, personal loans, business accounts, and investment accounts.
6. How can I find a TD Bank near me?
You can find a TD Bank near you by using the branch locator tool on the TD Bank website or mobile app, or by searching “TD Bank near me” on Google Maps.
7. What should I do if I have a problem with my TD Bank account?
If you have a problem with your TD Bank account, you should contact TD Bank’s customer service line, visit a local branch, or submit a complaint through the TD Bank website or mobile app.
8. Does TD Bank offer mobile banking services?
Yes, TD Bank offers mobile banking services through its user-friendly mobile app, which allows you to manage your accounts, deposit checks, pay bills, and transfer funds on the go.
9. How does TD Bank ensure the security of my account?
TD Bank ensures the security of your account through encryption technology, two-factor authentication, fraud monitoring, secure login procedures, and strict data protection policies.
10. What is TD Bank’s routing number?
TD Bank’s routing number varies depending on the state where the account was opened. Common routing numbers include 011000039 (for accounts opened in CT, DE, FL, ME, MD, MA, NH, NJ, NY, PA, RI, SC, or VT) and 053902197 (for accounts opened in NC or VA).
