Correction note (September 2026): an earlier version of this page tied TD Bank’s Zelle and ACH limits to checking account tier (e.g., “TD Beyond Checking gets a higher Zelle limit”). Per TD Bank’s own External Transfer and Zelle Payments Services terms, these limits are actually tied to the delivery speed you choose for the transfer, not your account tier — a TD Essential Banking customer and a TD Beyond Checking customer have access to the same tiers of delivery speed and the same limits at each tier.
TD Bank’s instant (“Within Minutes”) Zelle transfers are capped at $1,000/day and $5,000/month; choosing the slower “Up to 3 Business Days” Zelle option raises the cap to $2,500/day and $10,000/month. ACH (“External Transfer”) limits follow a similar delivery-speed structure, topping out around $3,000/day outbound. For wire transfers, all states use the same routing number — 031101266 — with a $30.00 domestic outgoing wire fee. The SWIFT code for international wires is NRTHUS33.
TD Bank Zelle Transfer Limits (by Delivery Speed)
Per TD Bank’s published External Transfer and Zelle Payments Services terms, Zelle limits for Consumer accounts are determined by which delivery option you choose — not by checking account tier:
| Delivery Option | Direction | Daily Limit | Monthly Limit |
|---|---|---|---|
| Within Minutes (instant) | Outbound | Up to $1,000 | Up to $5,000 |
| Up to 3 Business Days | Outbound | Up to $2,500 | Up to $10,000 |
| Either option | Inbound / Request Money | Up to $100,000 | Up to $100,000 |
TD Private Client Group (requires $750,000+ in liquid assets or $3,000,000+ in total net worth) gets a higher $5,000/day, $30,000/month outbound Zelle limit — this is a wealth-management relationship tier, not a standard checking account tier like TD Beyond Checking.
Important: These limits can change and your individual limit may be adjusted by TD at its discretion. Log in to TD Bank Online Banking and check the information icon next to the Zelle amount box to see your current limit, or call 1-888-751-9000 to confirm.
Key Zelle rules:
- Zelle transfers to other TD Bank customers are typically instant
- Transfers to non-TD Bank accounts arrive within minutes if the recipient is already enrolled in Zelle
- Zelle payments cannot be reversed once the recipient is notified — only use Zelle with people you know and trust
- The $10,000 Consumer Zelle monthly maximum applies regardless of which daily delivery option you use
TD Bank ACH (External Transfer) Limits
Per the same published terms, standard Consumer External Transfer limits are also structured by delivery speed:
| Delivery Option | Direction | Daily Limit | Monthly Limit |
|---|---|---|---|
| Up to 3 Business Days | Outbound | Up to $3,000 | Up to $5,000 |
| Up to 3 Business Days | Inbound | Up to $10,000 | Up to $20,000 |
| Next Business Day | Outbound | Up to $2,500 | Up to $4,000 |
| Next Business Day | Inbound | Up to $7,500 | Up to $15,000 |
External Transfers are also subject to an overall $20,000/month combined inbound-and-outbound maximum. Some inbound transfers can arrive within minutes depending on the sending institution, with no separate daily/monthly cap on those instant inbound transfers (though the sending institution’s own outbound limits still apply).
Correction note: an earlier version of this page listed a flat “$2,500/day standard, $5,000/day for TD Beyond Checking” ACH structure. TD’s published terms do not describe an account-tier-based ACH limit — the actual structure is based on delivery speed, per the table above. Confirm your specific limit in the app or by phone, as TD states individual limits “may be adjusted from time-to-time” at its discretion.
TD Bank Wire Transfer Limits and Fees
Wire transfers are the best option for large, time-sensitive payments. They are irreversible — always verify recipient details before initiating.
| Wire Type | Fee |
|---|---|
| Outgoing domestic wire | $30.00 |
| Outgoing international wire | $50.00 |
| Incoming wire (domestic or international) | $15.00 |
TD Bank does not publish a general tier-based wire fee discount in the terms reviewed for this guide — confirm any account-specific wire fee waiver directly with TD Bank customer service.
TD Bank uses routing number 031101266 for all domestic wires (regardless of state). The SWIFT code for international wires is NRTHUS33. See the full TD Bank routing number guide for state-by-state ACH routing numbers.
How to Send a Transfer with TD Bank
Zelle: TD Bank app → Send Money → Zelle → choose “Within Minutes” or “Up to 3 Business Days” delivery, which determines your limit for that transfer ACH to external bank: TD Bank app or td.com → Transfer Funds → External Transfers (link your external account first — micro-deposit verification takes 1–3 days) Wire transfer: TD Bank Online Banking → Payments & Transfers → Wire Transfers, or call 1-888-751-9000, or visit a TD Bank branch
TD Bank Transfer Limits vs Competitors
| Bank | Zelle Daily Limit (Standard, Instant) | Domestic Wire Fee |
|---|---|---|
| TD Bank | $1,000 (instant); up to $2,500 with slower delivery | $30 |
| Chase | $2,000 (confirm current figure directly) | $35 (confirm directly) |
| PNC | $1,000 (confirm current figure directly) | $30 (confirm directly) |
| Wells Fargo | $3,500 (confirm current figure directly) | $30 (confirm directly) |
| US Bank | $1,500 (confirm current figure directly) | $30 (verified against U.S. Bank’s Aug 2026 pricing) |
| Citi | $2,000 (confirm current figure directly) | $25 (confirm current figure directly) |
Competitor figures other than TD Bank and U.S. Bank were not independently re-verified this session — confirm directly with each bank before relying on them.
See the full TD Bank guide for fees, ATM limits, and routing numbers by state.
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