My TD Canada Trust cheque looks like:
*NNN* *TTTTT*YYY* BBBB*AAAAAAA*
NNN = Cheque #
TTTTT = Transit #
YYY = Instituition
BBBB AAAAAAA = is the account #
What can be a little confusing about these numbers is that BBBB in the account # is probably the branch, but sometimes the transit # is referred to the branch. The BBBB may be the same as the first four numbers in the TTTTT transit number, but not necessarily. Some forms will call the TTTTT transit number the branch.
This information and understanding it is essential if you are sending or receiving wires.
It was much too hard for me to Google for this information and many of the top sites in the search results were pretty tacky — maybe even spammy. The most interesting parts I found on Wikipedia: cheque and the routing transit number, but I still had to connect some dots.
After this post, I found at the front of the cheque book a figure showing each part of the check. Go figure!
Update: For TD online banking (EasyWeb) it is the Transit # and the 2nd part of the Account #.
Financial Geeks can also enjoy the many fruits of the Specifications for MICR-Encoded Payment Items, which includes the ever-so-fascinating Specification for MICR-Encoding, which covers the above in toe-tingling detail.
chris, that sizzles!
*NNN* *TTTTT*YYY* BBBB*AAAAAAA*
N= cheque number
Y= bank (which in your case I imagine is 003 for TD, BMO = 001, etc)
T= Branch (5 digits with alberta ending in 9, Sask in 8, BC =?)
Deductive reasoning is that the B’s and A’s are your account number
I direct deposit off cheques many times a month. I am 100% sure on that one
Trent, thanks for the confirmation!
004 is TD
BC=0
Thank You, Thank You, Thank You
003 is Royal Bank and Ontario ends in 2 if the logic holds that far east…
Since so many people have the same questions of finding their account information, why don’t they print on the cheque, underneath the numbers what they mean? (This is just a retorical question…) Everyone can try their own guess…
very helpful for a layman. Thanks.
This was really helpful, thank you.
Thanks, this helped me out! I believe 2=Ontario. Institution 4=TD Canada Trust
Huge help, thank you…002 is Scotiabank in ON, btw.
thank you for your help. To add to the puzzle – 003 is RBC
I wasn’t able to find this information on TD’s web site.
When I Googled “TD bank cheque codes” your page was the first hit. Excellent information. Just goes to show how inept some corporate web sites are.
Thank you
The Canadian Payments Association operates and maintains national systems for the clearing and settlement of payments within Canada; their website (http://www.cdnpay.ca) contains excellent information including a list of bank & transit number for all Canadian bank locations (updated weekly).
Thanks this was a very helpful resource. Was the first page that came up on Google.
I use this page every time im setting up payments at work!!
Thank goodness for this web page!!!!
thanks!
enjoy…
http://www.tdcanadatrust.com/lending/cheque.html
Very helpful! I might actually get my next pay deposit now.
Thanks
Awesome info! As stated by others in this Comments section, your site (luckily) shows up high on a google search. Thanks for making this information so readily accessible. As I first went to search, i anticipated having to wade through pages and pages of info before finding this! Thanks for saving me all that time!
For TD, what does the designation number (BBBB) mean?
If I’m wanting to do a withdraw from a website and it asks for my account number, do I include this designation number or do I only enter my account number (AAAAAAA).
On a sidenote, Vancity cheques have a format: BBAAAAAAA (where BB is the type of account you have, ie. chequing, savings, usd, etc).
I have been having trouble setting up my direct deposit from my U.S.-based employer to my new TD Canada Trust checking (chequing) account for about a month (paid every two weeks). First I had the wrong routing number and today I found out that I was using an incorrect account number. I had mistakenly been using the transit (branch) number (TTTT above) as part of the 11-digit account number. I called TD Canada Trust, and they indicated that the correct account number to use is the designation number (BBBB) and account number (AAAAAAA) together. Therefore, use BBBBAAAAAAA.
Further update: I called TD Canada Trust again today. For direct deposit, one must also use the transit (branch) number. So, the account number for direct deposit purposes will be TTTTT-BBBBAAAAAAA. Apparently, the TTTTT is the only way for the direct deposit to tell exactly which branch your money is supposed to go to, and the dash (-) is needed too. This is all a bit different than making a direct deposit to a U.S. bank.
For TD Canada Trust Cheque, Refer http://www.tdcanadatrust.com/lending/cheque.html
This is a perfect refrence about TD cheque that I found in TD site:
http://www.tdcanadatrust.com/lending/cheque.html
http://en.wikipedia.org/wiki/Routing_transit_number#Canadian_transit_number
Has a lot of further detail, there’s actually 2 numbers for Ontario, 2 and 6.
The format is: AAA-BBBBB-CCC-DDDD-EEEEEEE
AAA= Cheque number, found in the top right hand corner as well
BBBBB=Transit number, which is the branch number + 1 digit to identify province of origin
CCC= Institution code, for TD, 004 as mentioned above
DDDD= this is something called designation number, in some cases the same as branch number, but in most cases different, this is only used for pre-autorized payments.
EEEEEEE= this is your 7 digit account number. the full account number needed for pre-autorized payments as well as direct deposit consist of the last 2 groups, so DDDD-EEEEEEE
If by any chance the account was a previous Canada Trust account opened prior to 2003, the designation code (DDDD) will probably not be there as this was originally a coding from TD bank.
THANK YOU! I was FINALLY able to hook up my paypal with my bank account!