Chemung Canal Trust Company: email security grade B

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Chemung Canal Trust Company, Elmira, New York, is the 444th largest FDIC-insured US bank by total assets ($2.8bn). On 4 November 2026 the public email records of chemungcanal.com graded B: MX pass, SPF pass, DMARC p=quarantine, mail handled by Microsoft 365.

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 chemungcanal.com

Check	Result	What was published
MX	Pass	`0 chemungcanal-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	v=spf1 ip4:72.35.5.171 ip4:75.78.2.209 ip4:166.73.7.20 ip4:12.175.11.50 ip4:69.84.87.254 ip4:69.84.91.254 ip4:69.84.94.254 ip4:209.34.255.0 ip4:208.66.22.33 ip4:80.169.11.113 ip4:154.14.11.186 ip4:12.108.255.69 ip4:209.222.82.252 ip4:156.55.203.218/31 ip4:156.55.203.220 ip4:199.200.27.29 ip4:199.200.27.19 ip4:199.200.27.30 ip4:156.55.205.65 ip4:156.55.205.66 ip4:156.55.193.212/30 ip4:147.249.4.125 ip4:147.249.4.126/31 ip4:147.249.4.128/31 ip4:147.249.4.130 ip4:67.231.145.51 ip4:67.231.153.10 ip4:148.163.157.52 ip4:148.163.159.6 ip4:209.222.82.253 ip4:209.222.82.255 ip4:208.2.188.0/23 ip4:65.241.35.0/24 ip4:207.1.168.0/24 ip4:213.129.79.155 ip4:208.235.248.20 ip4:206.107.78.0/24 ip4:208.35.184.0/21 ip4:208.29.163.0/24 ip4:63.172.232.0/21 ip4:65.205.252.0/24 ip4:67.135.240.0/24 ip4:206.108.40.0/24 ip4:208.35.189.0/24 ip4:208.35.190.0/24 ip4:209.195.52.0/24 ip4:208.147.64.0/24 ip4:209.222.82.0/24 ip4:12.145.177.0/24 ip4:63.117.120.96/27 ip4:69.38.149.224/27 ip4:208.252.57.192/27 ip4:20.98.40.154/32 ip4:20.80.52.0/32 ip4:206.201.77.127/32 ip4:20.98.42.92 ip4:20.80.6.91 ip4:20.94.186.35 ip4:20.88.194.46 ip4:208.93.26.27 ip4:166.73.7.16 ip4:166.73.14.61 ip4:166.73.14.63 ip4:166.73.92.61 ip4:166.73.92.63 ip4:166.73.92.60 ip4:50.58.9.15 ip4:204.95.150.215 ip4:148.163.140.179 ip4:148.163.144.176 ip4:40.92.0.0/15 ip4:40.107.0.0/16 ip4:52.100.0.0/15 ip4:52.102.0.0/16 ip4:52.103.0.0/17 ip4:104.47.0.0/17 include:spf.protection.outlook.com include:spf2.chemungcanal.com include:spfa.cpmails.com include:spf.cashedge.com include:spfhost.messageprovider.com -all. DNS lookups: 8 of 10 allowed; ends -all
DMARC	Warn	`v=DMARC1; p=quarantine; rua=mailto:c1d360ff@mxtoolbox.dmarc-report.com; ruf=mailto:c1d360ff@forensics.dmarc-report.com; fo=1; pct=10`. Policy p=quarantine, applied to 10% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, s1, s2 (of 10 common selectors tried)

Where Chemung Canal Trust Company ranks

Chemung Canal Trust Company is the 444th largest FDIC-insured US bank by total assets, at $2.8bn as reported to the FDIC (certificate 597; Elmira, New York). Among the 999 graded banks, Chemung Canal Trust Company ranks 775th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 634th of 846; among the 49 graded banks in New York, 41st. 66% of its band and 73.5% 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: about 8 of the 10 allowed. One more sending service could push it over. This count is an estimate.
DMARC, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, warn: pct=10: the policy covers only 10% of mail that fails.
DMARC, info: Reports go to c1d360ff@mxtoolbox.dmarc-report.com.
DKIM, pass: DKIM key found at selector1._domainkey.chemungcanal.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.chemungcanal.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.chemungcanal.com, about 2048-bit RSA.

What this means if you sell to Chemung Canal Trust Company

Chemung Canal Trust Company 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 chemungcanal.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 597.

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 Chemung Canal Trust Company 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