Bank Five Nine: email security grade B

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Bank Five Nine, Oconomowoc, Wisconsin, is the 486th largest FDIC-insured US bank by total assets ($2.5bn). On 4 November 2026 the public email records of bankfivenine.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Other.

Grade B. One setting does less than it seems to. Read by DNS on 4 November 2026; the records are shown as published.

What was found on bankfivenine.com

Check	Result	What was published
MX	Pass	`10 gw6056.fortimail.com`. Mail handled by Other
SPF	Pass	`v=spf1 a mx ip4:12.181.163.163 ip4:71.13.2.206 ip4:12.21.94.116 ip4:198.246.218.90 ip4:173.243.136.56 ip4:66.231.88.130 ip4:168.245.3.130 ip4:44.214.246.148 include:spf.fmwrdc.com include:amazonses.com include:spfref.jackhenry.com include:spf.cashedge.com include:spf.protection.outlook.com include:spf.digitalinsight.com include:_spf.createsend.com -all`. DNS lookups: 10 or more of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=none;`. Policy p=none; reports not collected (no rua=)
DKIM	Reported, not graded	No key on any of 10 common selectors. This proves nothing: the bank's real selectors may be any name

Where Bank Five Nine ranks

Bank Five Nine is the 486th largest FDIC-insured US bank by total assets, at $2.5bn as reported to the FDIC (certificate 12517; Oconomowoc, Wisconsin). Among the 999 graded banks, Bank Five Nine ranks 787th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 646th of 846; among the 29 graded banks in Wisconsin, 24th. 66% of its band and 72.4% 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.
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 10 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, warn: Policy p=none with no rua= address. The record asks receivers to do nothing and sends you no reports.
DKIM, info: No DKIM key at the 10 common selectors tried. That does not mean DKIM is missing. Your email provider picks the selector name, and DNS has no way to list them.

What this means if you sell to Bank Five Nine

Bank Five Nine's MX hosts belong to a provider we do not name from host names alone. Assume the inbound server checks SPF, DKIM and DMARC and scores reputation, as every major provider does. 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 bankfivenine.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 12517.

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 Bank Five Nine 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