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Set Up Direct Deposit for Your Checking or Savings Account

Direct deposit sends your paycheck, pension, or Social Security payment right to your TD Checking or Savings account. If you're setting up a paycheck from an employer, you may be able to enroll in the TD app or Online Banking with no forms to fill out.

And, with TD Early Pay, you may get your direct deposit up to 2 business days early.1

Fast, secure direct deposit setup

Use our simple digital enrollment to have your paycheck deposited directly into your TD account. Set it up right in the TD app or Online Banking:

       Send your paycheck to your account in just a few steps

       No forms to fill out or account numbers to track down

       Get real-time updates and notifications

    Get started

    You can also use a form to enroll. To complete it, you’ll need:

    Download the form (PDF)

    Get help setting up your paycheck for direct deposit

    How to set up your federal benefits for direct deposit

    The U.S. Treasury Department requires everyone who receives a federal benefit check to have a direct deposit or electronic payment option.

    Federal benefits include: Social Security, Supplemental Security Income (SSI), and Veteran Affairs (VA) compensation and pension payments.

    Please have the following information ready:

    • Social Security or claim number
    • 12-digit federal benefit check number (located in the upper right-hand corner of your federal benefit check)
    • Federal benefit check amount
    • TD Bank account and routing transit numbers

    Find your account and routing numbers

    Get help setting up your federal benefits for direct deposit

    • Online

      Set up your federal direct deposit on the U.S. Treasury Department's Go Direct® website

      Set up online†

    • By phone

      Call the U.S. Treasury Electronic Payment Solution Center to set up your direct deposit

      1-800-333-1795 1-800-333-1795

    • In person

      Visit a TD Bank near you for help setting up your direct deposit online

      Find a TD Bank

    More to know when setting up your direct deposit

    If you like, you can split your direct deposit into multiple accounts. For example, you can deposit half your paycheck or federal benefits into your checking account and half into your savings.

    Also, it can take a few weeks for your direct deposit to start—depending on when your employer sets it up. Until then, you'll continue to receive paper checks.

    Find your account and routing numbers

    • 1

      Routing number

      Your transit routing number is the first set of numbers on the bottom left of your TD Bank check. You can also find this number on your statement, as well as in the Account Details section of Online Banking and the TD Bank app.
      Find your TD Bank routing number

    • 2

      Account number

      Your account number is located to the right of the routing number at the bottom of your TD Bank check. You can also find this number on your statement, as well as in the Account Details section of Online Banking and the TD Bank app.

    Be in the know

    Sign up for TD Alerts and get notified when you receive a direct deposit, including those that come early with TD Early Pay.1

    Log in

    More ways to manage your money

    1For certain eligible direct deposits, we may make funds available for your use up to two business days before we receive the funds from your payor with our service, TD Early Pay. There is no enrollment necessary and no fee for this service. Not all direct deposits are eligible for TD Early Pay. Eligible direct deposits are limited to electronic direct deposits such as your payroll, pension, and government benefit payments. Other deposits or credits to your account, such as deposits of funds from person-to-person payments services (e.g., Zelle®), check or mobile deposits, and other online transfers are not eligible for TD Early Pay. The Bank does not guarantee that any direct deposits will be made available before the date scheduled by the payor, and early availability of funds may vary between direct deposits from the same payor.

    When funds are made available early, they will be reflected in your account’s available balance. Whether we make funds available early depends on (1) when we receive the payor’s payment instructions, (2) any limitations we set on the amount and frequency of early availability, and (3) standard fraud prevention screening.

    If a direct deposit is not made available early, it will be made available in accordance with our Availability of Funds Policy described in the Personal Deposit Account Agreement (PDAA). Except as expressly set forth in the PDAA, funds made available early are subject to the same terms and conditions as other deposits to your account. If we’ve made funds available early and the payor reverses or requests a return of the deposit, or the funds are otherwise uncollected by the Bank, you understand and agree that we may debit your account in accordance with our normal process found in subpart e) Direct Deposits, found in the PDAA, up to the amount of the deposit that was previously made available – even if you have already  withdrawn the funds or it creates an overdraft on your account, without prior notice from us and at any time. In this instance, you are responsible for any fees assessed – including those charged by merchants or third parties – as a result of the overdraft. TD Early Pay is offered at the discretion of the Bank, and we reserve the right to cancel the service at any time and without notice to you.

    †By clicking on this link you are leaving TD Bank's website and entering a third-party website over which TD Bank has no control.

    Neither TD Bank US Holding Company, nor its subsidiaries or affiliates, is responsible for the content of third-party sites hyper-linked from this page, nor do they guarantee or endorse the information, recommendations, products or services offered on third-party sites.

    Third-party sites may have different Privacy and Security policies than TD Bank US Holding Company. You should review the Privacy and Security policies of any third-party website before you provide personal or confidential information.