Happen Bank: email security grade A

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Happen Bank, Lehi, Utah, is the 139th largest FDIC-insured US bank by total assets ($12bn). On 4 November 2026 the public email records of happen.com graded A: MX pass, SPF pass, DMARC p=quarantine, mail handled by Proofpoint.

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 happen.com

Check	Result	What was published
MX	Pass	`10 mxa-001f7f01.gslb.pphosted.com`, `20 mxb-001f7f01.gslb.pphosted.com`. Mail handled by Proofpoint
SPF	Pass	`v=spf1 include:%{ir}.%{v}.%{d}.spf.has.pphosted.com include:mail.zendesk.com ~all`. DNS lookups: 2 or more of 10 allowed; ends ~all
DMARC	Pass	`v=DMARC1; p=quarantine; fo=1; rua=mailto:dmarc_rua@emaildefense.proofpoint.com,mailto:dmarc_agg@dmarc.everest.email; ruf=mailto:dmarc_ruf@emaildefense.proofpoint.com,mailto:dmarc_fr@dmarc.everest.email;`. Policy p=quarantine; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, selector2 (of 10 common selectors tried)

Where Happen Bank ranks

Happen Bank is the 139th largest FDIC-insured US bank by total assets, at $12bn as reported to the FDIC (certificate 32551; Lehi, Utah). Among the 999 graded banks, Happen Bank ranks 104th by grade (ties broken by assets, larger first). In its asset band, $10bn to $100bn, it ranks 74th of 122; among the 28 graded banks in Utah, 10th. 69.7% of its band and 75% 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: at least 2 of the 10 allowed. 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, pass: Policy p=quarantine: receivers are asked to put mail that fails in spam.
DMARC, info: Reports go to dmarc_rua@emaildefense.proofpoint.com, dmarc_agg@dmarc.everest.email.
DKIM, pass: DKIM key found at selector1._domainkey.happen.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at selector2._domainkey.happen.com, about 2048-bit RSA.

What this means if you sell to Happen Bank

Happen Bank routes inbound mail through Proofpoint, 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 happen.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 32551.

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 Happen 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