Citizens Bank: email security grade B

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Citizens Bank, Elizabethton, Tennessee, is the 763rd largest FDIC-insured US bank by total assets ($1.4bn). On 4 November 2026 the public email records of citizensbank24.com graded B: MX pass, SPF warn, DMARC p=reject, mail handled by Mimecast.

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 citizensbank24.com

Check	Result	What was published
MX	Pass	`10 usb-smtp-inbound-1.mimecast.com`, `10 usb-smtp-inbound-2.mimecast.com`. Mail handled by Mimecast
SPF	Warn	`v=spf1 a mx include:spf.protection.outlook.com include:spfref.jackhenry.com include:gateways.firstdata.com include:spf.ess.barracudanetworks.com include:_spf.iriscrm.com include:_spf.intacct.com ip4:74.203.184.39 ip4:167.89.11.238 ip4:68.171.150.128/26 ip4:66.254.128.0/19 ip4:205.196.224.0/19 ip4:216.71.154.162 ip4:216.71.150.36 ip4:216.71.150.53 ip4:216.71.154.146 include:usb._netblocks.mimecast.com include:one.zoho.com ~all`. DNS lookups: 13 of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=reject; aspf=r;`. Policy p=reject; reports not collected (no rua=)
DKIM	Pass, not graded	Key found on selectors s1, s2 (of 10 common selectors tried)

Where Citizens Bank ranks

Citizens Bank is the 763rd largest FDIC-insured US bank by total assets, at $1.4bn as reported to the FDIC (certificate 14851; Elizabethton, Tennessee). Among the 999 graded banks, Citizens Bank ranks 846th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 705th of 846; among the 31 graded banks in Tennessee, 23rd. 66% of its band and 54.8% 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, warn: DNS lookups: about 13, over the limit of 10 in RFC 7208. Receivers that count the same way return an error, and SPF fails for any message not matched before the limit. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: No rua= address, so you get no reports on what fails.
DKIM, pass: DKIM key found at s1._domainkey.citizensbank24.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.citizensbank24.com, about 2048-bit RSA.

What this means if you sell to Citizens Bank

Citizens Bank routes inbound mail through Mimecast, a filtering gateway. Expect strict inbound filtering: a message from a sender whose SPF, DKIM or DMARC fails, or whose domain has little sending history, is unlikely to reach a person. 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 citizensbank24.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 14851.

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.

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