Citibank: email security grade A

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Citibank, Sioux Falls, South Dakota, is the 3rd largest FDIC-insured US bank by total assets ($1.98tn). On 4 November 2026 the public email records of citibank.com graded A: MX pass, SPF pass, DMARC p=reject, mail handled by Other.

Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.

What was found on citibank.com

Check	Result	What was published
MX	Pass	`5 mx-a.mail.citi.com`, `5 mx-b.mail.citi.com`. Mail handled by Other
SPF	Pass	`v=spf1 a:mail.citigroup.com ip4:217.29.160.12 ip4:84.45.73.5 include:spf-00123c01.pphosted.com ~all`. DNS lookups: 2 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; rua=mailto:dmarc_rua@emaildefense.proofpoint.com,mailto:dmarc.reports.rua@citi.com`. Policy p=reject; reports collected (rua= set)
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 Citibank ranks

Citibank is the 3rd largest FDIC-insured US bank by total assets, at $1.98tn as reported to the FDIC (certificate 7213; Sioux Falls, South Dakota). Among the 999 graded banks, Citibank ranks 2nd by grade (ties broken by assets, larger first). In its asset band, $100bn and over, it ranks 2nd of 31; among the 17 graded banks in South Dakota, 1st. 96.8% of its band and 58.8% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, pass: 2 MX records. Replies have somewhere to land.
SPF, pass: One SPF record, ending in ~all (softfail): mail from a server that is not on the list is treated as suspect.
SPF, info: DNS lookups: about 2 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to dmarc_rua@emaildefense.proofpoint.com, dmarc.reports.rua@citi.com.
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 Citibank

Citibank'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 citibank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 7213.

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 Citibank 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