TD Bank Transit Number: How to Find Your 4-Digit Branch Code

If you’ve ever stared at a TD cheque wondering which set of numbers is the transit number, you’re not alone. That 4-digit code is your branch’s fingerprint, and getting it right matters for direct deposit, wire transfers, and setting up automatic payments. This guide clears up the confusion once and for all.

TD Transit Number Length: 4 digits ·
TD Institution Number: 004 ·
Number of TD Branches in Canada: Over 1,100 ·
First digits on cheque (transit): First 4

TD’s system is consistent: 4 digits on cheques and official statements. The confusion stems from international forms that expect a padded 5-digit code.

Is TD transit number 4 or 5 digits?

This is the question that trips up most people. The short answer: TD Canada Trust transit numbers are 4 digits on cheques and in online banking. But forms that require a 5-digit code create the appearance of a longer number.

Official TD Canada Trust statement on transit number length

According to TD Canada Trust’s official EasyWeb guidance, the branch (transit) number displayed online is 4 digits TD Canada Trust official banking portal. The same 4-digit number appears on the bottom of cheques as the first set of digits in the MICR line, as confirmed by TD Stories TD Stories corporate blog. For example, a branch with transit number 1001 remains 1001 on your statement.

Why some sources show 5 digits

The confusion arises because Canadian routing numbers are 9 digits, constructed as 0 + 3-digit institution number + 5-digit transit number, as explained by Western Union Western Union global money transfer provider. When TD’s 4-digit transit is padded with a leading zero, it becomes 5 digits. For instance, transit 1001 becomes 01011. Additionally, the first branch transit number 0001 on cheques appears as a 4-digit code, confirming the system is fundamentally 4-digit TD Stories corporate blog.

The implication: anyone transferring money or setting up direct deposit needs to know which format the receiving system uses. Use 4 digits for Canadian domestic transfers and 5 digits (with leading zero) for international wire forms.

How do I find my TD Bank transit number?

Four reliable methods exist to locate your TD transit number across different platforms. The official TD Canada Trust YouTube channel and EasyWeb portal confirm these steps.

Method 1: Using a TD cheque

• Look at the MICR line at the bottom of your cheque
• The first 4 digits are your transit number
• Followed by institution number 004, then your account number

This method is the most definitive, as confirmed by TD Stories TD Stories corporate blog. The transit number on a cheque is always 4 digits.

Method 2: In the TD mobile app

• Open the TD app and log in
• Select the account you need
• Tap Account Details
• Your transit number appears alongside institution number (004) and account number

This method works for all account types, as shown in TD’s official tutorial TD Canada Trust official YouTube channel.

Method 3: Through TD EasyWeb online banking

• Log in to EasyWeb
• Click Manage Accounts
• Select your account
• Review the Details section

TD’s official EasyWeb tip confirms this process and notes that the branch number displayed is 4 digits TD Canada Trust official banking portal.

Method 4: By contacting TD customer service

If you don’t have access to online banking or a cheque, call TD Canada Trust customer support. After verifying your identity, a representative can provide your transit number. This is a fallback method; the digital methods above are faster.

The pattern: every official channel shows your transit number as 4 digits. If you see a 5-digit number online, it’s likely a combined routing code or padded version.

What is the transit number 12162 for TD Bank?

This number appears in online searches and creates confusion. Transit number 12162 is a 5-digit code that some websites display.

Branch location for transit number 12162

The 5-digit number 12162 likely represents a specific TD branch, but interpreting it requires adding the leading zero principle. If the real transit is 2162, padding to 5 digits gives 02162 — not 12162. This discrepancy suggests either a different branch system or a typographical error in some online databases.

Why this number appears in searches

Online tools sometimes mix institution numbers with transit numbers or use outdated databases. Always verify with official TD sources for the correct 4-digit transit. The official TD Canada Trust website and app remain the only trustworthy sources for accurate transit numbers.

The catch: when you see a 5-digit transit number online, assume it needs verification. Cross-check against your cheque or online banking before using it for any transaction.

What Canadian bank is 004?

Institution number 004 belongs to TD Canada Trust (Toronto-Dominion Bank). This 3-digit code is used together with the transit number for routing funds.

The following table shows how TD’s institution number compares to other major Canadian banks.

TD Bank institution number 004

Institution number 004 is confirmed across multiple sources, including Wise Wise international money transfer platform, Float Financial Float Financial Canadian business finance platform, and Western Union Western Union global money transfer provider. This 3-digit code never changes across TD branches — only the transit number varies by branch location.

The implication: knowing that institution number 004 is TD makes it easier to construct your full Canadian routing number (0 + 004 + 5-digit padded transit). This combination is what banks use behind the scenes to process payments.

How do I find my bank transit number in Canada?

For all Canadian banks, transit numbers are handled similarly, but TD has its own quirk with the 4-digit display.

General method for any Canadian bank

• Cheques: the transit number appears in the MICR line at the bottom
• Online banking: account details section shows transit number
• Bank statement: paper and digital statements list the transit number

Most Canadian banks use 5-digit transit numbers internally, as explained by Western Union Western Union global money transfer provider. TD is unique in displaying only 4 digits to customers while internally using a 5-digit padded format.

TD-specific approach

For TD customers, the simplest approach is to use the mobile app or EasyWeb. The TD app shows your transit number alongside institution number 004 and account number in the account details screen, as demonstrated in the official tutorial TD Canada Trust official YouTube channel. The 4-digit number you see is your full transit number for TD’s system.

The catch: if you use the 4-digit transit on an international wire form that expects 5 digits, your transfer may fail or get delayed. Always check the form’s requirements before submitting.

“The transit number, a four-digit number that indicates the home branch where that account was opened.”

— TD Stories, in the article “A look at TD branch transit 0001” TD Stories corporate blog

“The first set of numbers (4 digits) is your branch (or transit) number.”

— TD Canada Trust, EasyWeb tip message TD Canada Trust official banking portal

For Canadians setting up direct deposit with their employer, the information needed is: your 4-digit transit number, institution number 004, and your 7-12 digit account number. The full format used by payroll systems is: 0 + 004 + 5-digit padded transit + account number.

For Canadian residents, the difference between a transit number and a routing number matters. A routing number in Canada is 9 digits: 0 + institution number + transit number. In the US, TD Bank uses a different ABA routing number system entirely. The transit number 12162 that appears in some searches is likely a misinterpretation of a padded transit code and should be verified with official TD sources before use.

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If you have a paper cheque handy, you can quickly locate your TD Bank transit number by looking at the transit number on a cheque in the MICR line at the bottom.

Frequently asked questions

For Canadians setting up direct deposit with their employer, the information needed is: your 4-digit transit number, institution number 004, and your 7-12 digit account number. The full format used by payroll systems is: 0 + 004 + 5-digit padded transit + account number.