Sunrise Banks: email security grade B

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Sunrise Banks, Sioux Falls, South Dakota, is the 450th largest FDIC-insured US bank by total assets ($2.8bn). On 4 November 2026 the public email records of sunrisebanks.com graded B: MX pass, SPF pass, DMARC p=none, mail handled by Microsoft 365.

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 sunrisebanks.com

Check	Result	What was published
MX	Pass	`1 sunrisebanks-com.mail.protection.outlook.com`. Mail handled by Microsoft 365
SPF	Pass	`v=spf1 redirect=sunrisebanks.com.hosted.spf-report.com`. DNS lookups: 2 of 10 allowed; ends ~all
DMARC	Warn	`v=DMARC1; p=none; rua=mailto:86ef98e4061d4f729f56e2ad7a4d57d7@dmarc-reports.cloudflare.net,mailto:dmarc-aggregate@sunrisebanks.com,mailto:f1badd33@mxtoolbox.dmarc-report.com; ruf=mailto:dmarc-forensic@sunrisebanks.com,mailto:f1badd33@forensics.dmarc-report.com; pct=100`. Policy p=none, applied to 100% of mail; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors selector1, k1, s1, s2 (of 10 common selectors tried)

Where Sunrise Banks ranks

Sunrise Banks is the 450th largest FDIC-insured US bank by total assets, at $2.8bn as reported to the FDIC (certificate 18561; Sioux Falls, South Dakota). Among the 999 graded banks, Sunrise Banks ranks 777th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 636th of 846; among the 17 graded banks in South Dakota, 12th. 66% 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: 1 MX record. Replies have somewhere to land. Mail is handled by Microsoft 365.
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: The record hands over to sunrisebanks.com.hosted.spf-report.com with redirect=, so its ending comes from that record.
SPF, info: DNS lookups: about 2 of the 10 allowed. This count is an estimate.
DMARC, warn: Policy p=none: receivers are asked to do nothing with mail that fails. Reports are on, so you can see what fails.
DMARC, info: Reports go to 86ef98e4061d4f729f56e2ad7a4d57d7@dmarc-reports.cloudflare.net, dmarc-aggregate@sunrisebanks.com, f1badd33@mxtoolbox.dmarc-report.com.
DKIM, pass: DKIM key found at selector1._domainkey.sunrisebanks.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at k1._domainkey.sunrisebanks.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.sunrisebanks.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.sunrisebanks.com, about 1024-bit RSA.

What this means if you sell to Sunrise Banks

Sunrise Banks 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.

Check it live

The records above are from 4 November 2026. Run the same check on sunrisebanks.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 18561.

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 Sunrise Banks 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