The Routing Number is used for domestic transfer. To make money transfer, the Routing Number is used together with the bank account number of the recipient. For international inward money transfer, a SWIFT code must be used together with a Routing Number and Account Number.

MICR Numbers or widely known as Transit Numbers are used in cheques processing. It appears on the bottom of negotiable instruments such as checks identifying the financial institution on which it was drawn.

The format of Routing Number, MICR Number is as follows;

Routing Number - 0AAABBBBB
MICR Number - BBBBB-AAA

• for the routing number, the first digit is the leading zero.
• AAA is three digits code identifying the institution.
• BBBB is five digits code identifying the branch.

TD Canada Trust - Page 1

What is the Routing Number?

EFT Routing Number

• 0 : Leading zero
• YYY : Institution Number
• XXXXX : Branch Number

MICR Number (Transit Number)

• XXXXX : Branch Number
• YYY : Institution Number

The Financial Institutions Branch Directory (FIBD) provides routing numbers and addresses for branches of all Canadian financial institutions.

Information in the FIBD is drawn from Payments Canada’s Financial Institutions File (FIF) database and is updated weekly, based on information received from members. The FIF is also available on a subscription basis. It offers enhanced functionality for frequent users and can be imported in a variety of business applications. For more information, you can reach out to your Member institution or read more about the FIF and routing numbers.

Tips for Using the FIBD:

• For each branch, routing numbers are provided in two formats: one for electronic payments, and the other for MICR-encoded paper payment items.
• The Geographical List is organized by municipality. Use it to find the branch routing number when the location of the branch is known. Consult the Payments Canada Member List to confirm the name of the financial institution, if necessary.
• Use the Numeric List to find the branch address when the routing number is known.

Banks

Credit Unions and Caisses Populaires

Trust Companies, Loan Companies and Other Deposit-taking Institutions

Legal Notices:

Payments Canada web version of the Financial Institutions Branch Directory (“Branch Directory”) is provided on “as is” i and “as available” bases. Payments Canada has full intellectual property rights, including copyright, in the Branch Directory. Reproduction of the Branch Directory, in whole or in part, for sale or any other commercial purpose, without permission, is strictly prohibited.

While reasonable efforts have been made to provide accurate and up-to-date information, Payments Canada makes no representations or warranties, either expressly or impliedly, as to the content of the Branch Directory.

Let us help you access your Direct Deposit / Debit information easily.

Your account number and branch/transit number

If you have a cheque, your full account information is found along the bottom. View this sample cheque image as a handy guide. We also have a direct deposit/debit form.

If you do NOT have a cheque, you can locate your account information in Easyweb on the View Account page.

The first set of numbers (4 digits) is your branch (or transit) number. The second set (7 digits) is your accountnumber.

• If your account number only has 6 digits but a form requires 7, simply add a 0 to the start. For example, 123456 is 0123456.
• If your branch (transit) number is only 3 digits long, add a 0 in front of the number (for forms, etc.). Example: Branch 101 is 0101.

If you need to enter a 5 digit branch (transit) number for a direct deposit or debit form, the 5^th digit is a geographical number to be added to the end of your branch (transit) number. View a sample cheque image that identifies branch (transit) numbers, including the 5^th digit.

• If you don’t have a cheque, find the 5^th digit of your branch (transit) number based on your geographical location:

• British Columbia and Yukon: 0
• Alberta, Northwest Territories and Nunavut: 9
• Saskatchewan: 8
• Manitoba and North-Western Ontario: 7
• Eastern Ontario including Ottawa and surrounding area: 6
• Ontario including Toronto and surrounding area: 2
• Western Quebec including Montreal and surrounding area: 1
• Eastern Quebec including Labrador: 5
• New Brunswick: 4
• Nova Scotia, Prince Edward Island and Newfoundland (excluding Labrador): 3

For example: If you are located in Toronto and your branch number is 1001, you should input 10012 if your direct deposit/debit form requires a 5^th digit.

Institution Number:  The institution number for all TD Canada Trust accounts is 004.