Routing Number 031101279 – What You Need To Know

If you’ve come across routing number 031101279, you’re likely setting up a direct deposit, sending a wire transfer, or linking your bank account to a service like PayPal, Cash App, or Venmo. But how can you be sure you’re using the right number?

This detailed guide explains everything you need to know about routing number 031101279, including its origin, the bank it’s associated with, how to use it properly, and how to avoid costly mistakes.

What Is a Routing Number?
Who Uses Routing Number 031101279?
Which Bank Owns Routing Number 031101279?
Where to Find This Routing Number?
How to Use Routing Number 031101279
Common Services That Require It
Can Routing Numbers Change?
How to Verify Routing Numbers
Is Routing Number 031101279 Legit?
How to Protect Yourself From Routing Scams
Final Thoughts

1. What Is a Routing Number?

A routing number (also known as an ABA routing number or routing transit number) is a nine-digit code used in the United States to identify financial institutions. These codes are issued by the American Bankers Association (ABA) and are primarily used to process checks, wire transfers, ACH transactions, and other electronic banking transfers.

Routing numbers are vital for:

Direct deposit of payroll
Bill payments
Bank-to-bank transfers
Linking accounts to financial apps

2. Who Uses Routing Number 031101279?

Routing number 031101279 is used by customers who bank with TD Bank, N.A., particularly those located in Delaware.

If your account was opened in Delaware or nearby areas where this number is assigned, this is likely your valid routing number.

3. Which Bank Owns Routing Number 031101279?

According to the Federal Reserve’s official records, routing number 031101279 belongs to TD Bank, N.A.

Bank Name: TD Bank, N.A.
Location: Delaware
Status: Active
Type: Checking and savings accounts, ACH transfers, and wire transfers

TD Bank uses different routing numbers depending on the state in which your account was opened. So even though the bank is nationwide, you must use the routing number specific to your region.

TD Bank Routing Numbers by State (Examples):

State	Routing Number
Delaware	031101279
New York	026013673
Florida	067014822
New Jersey	031201360
Pennsylvania	036001808

Using the wrong routing number for your region can delay or cancel transactions.

4. Where to Find This Routing Number?

There are several ways to confirm if 031101279 is the correct routing number for your TD Bank account:

On a Check: The routing number appears at the bottom left of your TD Bank check.
TD Bank’s Website: Visit tdbank.com and search for routing numbers by state.
Online Banking: Log in and find account details.
Customer Service: Call TD Bank at 1-888-751-9000 to verify.

5. How to Use Routing Number 031101279

Routing number 031101279 is used for:

✅ Direct Deposit

Employers use this number to deposit your paycheck directly into your TD Bank account.

✅ ACH Transfers

If you’re transferring money from TD Bank to another U.S. bank account (or vice versa), this routing number enables automated clearing house (ACH) processing.

✅ Wire Transfers

For domestic wire transfers, use this same routing number. For international wire transfers, you’ll need TD Bank’s SWIFT code in addition to this number.

SWIFT Code for TD Bank: NRTHUS33XXX
Routing Number: 031101279

✅ Bill Payments

Utility companies and lenders will ask for this routing number when setting up electronic payments.

6. Common Services That Require This Routing Number

Here’s a list of common financial services where you might need routing number 031101279:

Setting up Social Security direct deposit
Linking TD Bank account to Venmo, Cash App, PayPal, or Zelle
Connecting to tax services for IRS refunds
Setting up mortgage payments
Making tuition payments via electronic funds transfer

7. Can Routing Numbers Change?

Yes, but rarely.

Banks may merge, restructure, or change charter, which can trigger a routing number update. However, TD Bank has consistently used 031101279 for Delaware-based accounts for years. If there’s a change, the bank will notify you well in advance.

Pro Tip:

Always double-check the routing number when switching employers, setting up a new payment app, or sending large wire transfers.

8. How to Verify Routing Numbers

To verify a routing number like 031101279:

Visit the Federal Reserve Bank website or the ABA routing lookup tool.
Call TD Bank directly and verify with customer service.
Use online banking to confirm your account’s routing number.

Never rely solely on third-party sources for routing information.

9. Is Routing Number 031101279 Legit?

Yes. Routing number 031101279 is a legitimate, active routing number assigned to TD Bank, N.A. It is registered and recognized by the Federal Reserve and ABA.

Here’s how to tell it’s valid:

It’s 9 digits long.
It starts with a valid Federal Reserve prefix (03).
It passes the checksum formula used for routing number validation.

If you’re unsure, you can input it into tools like the routing number verification site to confirm its legitimacy.

10. How to Protect Yourself From Routing Number Scams

Criminals may attempt to defraud consumers using fake routing numbers or impersonating banks. Here’s how to stay safe:

🚫 Don’t Share Bank Info Publicly

Never post your full account number and routing number on social media, forums, or open websites.

✅ Verify Before Sending Money

If someone gives you a routing number (like 031101279), confirm it belongs to the correct bank and region before making any transfers.

🔒 Use Secure Networks

Always perform banking tasks over secure, private Wi-Fi—not public networks.

🕵️ Monitor Bank Activity

Keep an eye on your bank statements for unauthorized transactions.

11. Final Thoughts

Whether you’re receiving direct deposit, paying bills, or sending money to a family member, using the correct routing number is essential. If you’re a TD Bank customer in Delaware, routing number 031101279 is the one you should use for ACH, domestic wire transfers, and more.

Always double-check your bank’s information and keep it private to avoid fraud. Routing number 031101279 is 100% legitimate and tied to TD Bank in Delaware—but only use it if your account was opened in that state.