American Commercial Bank & Trust: email security grade D

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American Commercial Bank & Trust, Ottawa, Illinois, is the 575th largest FDIC-insured US bank by total assets ($2.1bn). On 4 November 2026 the public email records of acbandt.com graded D: MX pass, SPF pass, DMARC no record, mail handled by Microsoft 365.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on acbandt.com

Check	Result	What was published
MX	Pass	`0 acbandt-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 mx a ip4:192.226.80.254 ip4:97.64.234.26 ip4:40.107.93.68 include:spf.protection.outlook.com include:spfhost.messageprovider.com include:amazonses.com include:_spf.salesforce.com include:spf-us.emailsignatures365.com -all`. DNS lookups: 8 or more of 10 allowed; ends -all
DMARC	Fail	No DMARC record at _dmarc.acbandt.com
DKIM	Pass, not graded	Key found on selector selector1 (of 10 common selectors tried)

Where American Commercial Bank & Trust ranks

American Commercial Bank & Trust is the 575th largest FDIC-insured US bank by total assets, at $2.1bn as reported to the FDIC (certificate 3719; Ottawa, Illinois). Among the 999 graded banks, American Commercial Bank & Trust ranks 963rd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 811th of 846; among the 52 graded banks in Illinois, 52nd. 66% of its band and 82.7% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 1 MX record. Replies have somewhere to land. Mail is handled by Microsoft 365.
SPF, pass: One SPF record, ending in -all (fail): mail from a server that is not on the list should be rejected.
SPF, info: DNS lookups: at least 8 of the 10 allowed. One more sending service could push it over. This count is an estimate.
SPF, info: The record uses SPF macros, which only resolve for a real message, so the lookup count is a floor.
DMARC, fail: No DMARC record at _dmarc.acbandt.com. Receivers get no instruction for mail that fails SPF and DKIM, and you get no reports.
DKIM, pass: DKIM key found at selector1._domainkey.acbandt.com, about 2048-bit RSA.

What this means if you sell to American Commercial Bank & Trust

American Commercial Bank & Trust receives mail through Microsoft 365, whose Exchange Online Protection checks every inbound message's SPF, DKIM and DMARC and scores the sender's reputation. A clean, warmed sending domain is the minimum; a failed check lands in junk or is dropped. Before you send, run your own domain through the email setup checker and publish a policy with the DMARC record generator. For how a bank buys, see the selling to banks playbook.

Check it live

The records above are from 4 November 2026. Run the same check on acbandt.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 3719.

This page is one of 1,000 in the Bank Email Readiness Index Q4 2026, published 4 November 2026 and re-read every quarter; the next edition is due 2 February 2027. If you work at American Commercial Bank & Trust and the records have changed, email moe@roimaxi.com and we will re-check and update this page.

ROI Maximizer is a trading name of M Ventures LTD, registered in England and Wales, company no. 15554493. Registered office: 4 Beau Street, Bath BA1 1QY, United Kingdom. moe@roimaxi.com