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Citizens Bank, Providence, Rhode Island, is the 19th largest FDIC-insured US bank by total assets ($233bn). On 4 November 2026 the public email records of citizensbank.com graded A: MX pass, SPF pass, DMARC p=reject, mail handled by Microsoft 365.
Grade A. Nothing in the records will stop mail. Read by DNS on 4 November 2026; the records are shown as published.
| Check | Result | What was published |
|---|---|---|
| MX | Pass | 10 citizensbank-com.mail.protection.outlook.com. Mail handled by Microsoft 365 |
| SPF | Pass | v=spf1 include:_cfgspf.citizensbank.com include:spf.protection.outlook.com -all. DNS lookups: 4 of 10 allowed; ends -all |
| DMARC | Pass | v=DMARC1; p=reject; sp=reject; fo=1; ri=3600; rua=mailto:citizens@rua.agari.com; ruf=mailto:citizens@ruf.agari.com. Policy p=reject, subdomains sp=reject; reports collected (rua= set) |
| DKIM | Pass, not graded | Key found on selectors selector1, selector2 (of 10 common selectors tried) |
Citizens Bank is the 19th largest FDIC-insured US bank by total assets, at $233bn as reported to the FDIC (certificate 57957; Providence, Rhode Island). Among the 999 graded banks, Citizens Bank ranks 18th by grade (ties broken by assets, larger first). In its asset band, $100bn and over, it ranks 18th of 31; among the 4 graded banks in Rhode Island, 1st. 96.8% of its band and 25% of its state graded A.
The checker's own notes on each record:
Citizens Bank 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.
The records above are from 4 November 2026. Run the same check on citizensbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 57957.
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 Citizens Bank and the records have changed, email moe@roimaxi.com and we will re-check and update this page.
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