TD Bank is closing hundreds of branches over the next few years, but your accounts and services will continue

TD Bank announced in 2023 that it would close approximately 60 branches per year through 2027, reducing its footprint from roughly 1,100 branches to around 700. This is not a bank failure or shutdown — TD Bank remains open and operating. The closures are part of a strategic shift toward digital banking and away from physical locations. If you have a TD Bank account, your money is safe, and you can continue using your account through online banking, mobile apps, and ATMs at the remaining branches.

The closures are happening gradually across TD's footprint, which spans the northeastern United States and parts of the Midwest. Not every branch is closing, and the timeline varies by location. TD has said it will notify customers whose branch is closing at least 60 days before the closure date, giving you time to plan where you'll do your banking going forward.

Key Takeaways

  • TD Bank is closing branches as part of a shift to digital banking, but the bank itself is not closing and your accounts remain active.
  • You will receive at least 60 days' notice before your specific branch closes, giving you time to find an alternative location or switch to online banking.
  • Your debit card, online banking, mobile app, and ATM access continue to work after your branch closes.
  • If you need in-person services after your branch closes, you can visit any remaining TD Bank branch or work with customer service by phone or online.
  • You are not required to move your account to another bank — you can stay with TD and use digital channels or travel to another branch.

How to learn about your branch is closing

TD Bank publishes a list of branches scheduled for closure on its website. You can search by your zip code or branch name to see if your location is on the list. The bank also sends direct mail to customers whose branch is closing, so check your mailbox if you bank in person regularly.

If you cannot find your branch on the published list, contact TD Bank customer service by phone or through your online account. A representative can tell you whether your branch will close and, if so, when. You can also visit your branch in person and ask a teller for the closure timeline.

What happens to your account when your branch closes

Your account does not close when your branch closes. Your checking account, savings account, credit card, and any loans remain active and in your name. You will not lose access to your money, and your account number and routing number do not change. Any automatic payments, direct deposits, or transfers you have set up will continue without interruption.

The only thing that changes is where you can walk in and speak to someone in person. After your branch closes, you will need to use a different branch, ATM, phone, or online banking for your banking needs. TD Bank's ATM network remains available at many locations, and most remaining branches can handle the services your closed branch provided.

Your options after your branch closes

You have several ways to continue banking with TD after your branch closes. The simplest for most people is to switch to online and mobile banking — you can deposit checks by taking a photo with the mobile app, transfer money between accounts, pay bills, and check your balance without visiting a branch. This works 24/7 and requires no travel.

If you need in-person service, you can visit any other TD Bank branch in your area. Use the branch locator on TD's website to find the nearest open location. You can also call TD Bank customer service at the number on the back of your debit card or in your account statements. For complex issues like loan applications or account disputes, you can schedule a phone or video appointment with a banker.

If you prefer to bank in person regularly and no other TD branch is convenient, you may want to move your account to another bank with a branch closer to you. This is optional — you are not required to leave TD — but it is a choice some customers make.

How to move your account if you decide to switch banks

If you want to move your account to another bank, you do not need to close your TD account first. Open a new account at your chosen bank, then contact TD Bank to transfer the balance. You can do this by phone, in person, or through online banking. TD will provide you with the information needed to set up a transfer.

Before you transfer, update any automatic payments or direct deposits to use your new account number. This usually takes a few days to process, so plan ahead if you have bills due soon. Once your new account is set up and working, you can close your TD account if you wish, though there is no rush — you can keep it open as a backup.

ATM access and debit card use after closure

Your TD debit card continues to work after your branch closes. You can use it to withdraw cash at any TD ATM or at ATMs in the Allpoint network, which includes machines at many grocery stores, pharmacies, and convenience stores. You can also use your card to make purchases anywhere that accepts Visa or Mastercard, depending on your card type.

If you need cash and cannot reach an ATM, you can use your debit card to get cash back at any store that offers this service. This works at most grocery stores and retailers. Your online and mobile banking apps will show you ATM locations near you, updated in real time.

What to do if you have questions about your specific branch

Start by checking TD Bank's branch closure list on its website — this is the most current source. If your branch is listed, the page will show the closure date and sometimes suggest nearby branches you can use instead. If you cannot find the information online or have questions about what services will be available after closure, call TD Bank customer service.

You can also visit your branch in person and ask a teller or manager directly. They can tell you the closure date, which branches are nearby, and what services you use most often so they can explain your options. If you have a mortgage, business account, or other complex relationship with TD, ask to speak with your account manager — they can walk you through the transition specific to your situation.

Frequently Asked Questions

Will my money be safe if my branch closes?

Yes. Your money is held by TD Bank, not by the branch building. Your account remains active and insured by the FDIC up to $250,000 per account type. Closing a branch does not affect the safety of your deposits.

Do I have to move my account to another bank?

No. You can stay with TD Bank and use online banking, mobile banking, ATMs, phone support, or visit another branch. Moving your account is optional and only necessary if you strongly prefer in-person banking at a nearby location.

Will my direct deposits and automatic payments still work?

Yes. Your account number and routing number do not change when your branch closes. All automatic payments, direct deposits, and transfers continue without interruption. You do not need to notify your employer or creditors.

Can I still get a cashier's check or wire money after my branch closes?

Yes. You can request a cashier's check or send a wire transfer through online banking, mobile banking, by phone, or at any remaining TD branch. Some services may take longer if you use phone or online channels, but they are available.

What if I need to speak to someone in person after my branch closes?

You can visit any other TD Bank branch, schedule a phone or video appointment with a banker, or call customer service. TD also offers in-branch appointments at some locations, which you can book in advance if you need to discuss something complex.