Merrick Bank: email security grade A

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Merrick Bank, South Jordan, Utah, is the 172nd largest FDIC-insured US bank by total assets ($9.1bn). On 4 November 2026 the public email records of merrickbank.com graded A: MX pass, SPF pass, DMARC p=reject, 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 merrickbank.com

Check	Result	What was published
MX	Pass	`10 mxa-0016c701.gslb.pphosted.com`, `20 mxb-0016c701.gslb.pphosted.com`. Mail handled by Proofpoint
SPF	Pass	`v=spf1 redirect=merrickbank.com.hosted.spf-report.com`. DNS lookups: 10 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1;p=reject;fo=1;rua=mailto:985f3099@mxtoolbox.dmarc-report.com,mailto:dmarc_rua@emaildefense.proofpoint.com;ruf=mailto:985f3099@forensics.dmarc-report.com,mailto:dmarc_ruf@emaildefense.proofpoint.com`. Policy p=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, s1, s2 (of 10 common selectors tried)

Where Merrick Bank ranks

Merrick Bank is the 172nd largest FDIC-insured US bank by total assets, at $9.1bn as reported to the FDIC (certificate 34519; South Jordan, Utah). Among the 999 graded banks, Merrick Bank ranks 128th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 13th of 846; among the 28 graded banks in Utah, 12th. 66% 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 (fail): mail from a server that is not on the list should be rejected.
SPF, info: The record hands over to merrickbank.com.hosted.spf-report.com with redirect=, so its ending comes from that record.
SPF, info: DNS lookups: at least 10 of the 10 allowed. One more sending service could push it over. 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=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to 985f3099@mxtoolbox.dmarc-report.com, dmarc_rua@emaildefense.proofpoint.com.
DKIM, pass: DKIM key found at selector1._domainkey.merrickbank.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.merrickbank.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.merrickbank.com, about 2048-bit RSA.

What this means if you sell to Merrick Bank

Merrick 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 merrickbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 34519.

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 Merrick 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