TD Bank: email security grade A

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TD Bank, Wilmington, Delaware, is the 12th largest FDIC-insured US bank by total assets ($343bn). On 4 November 2026 the public email records of td.com graded A: MX pass, SPF pass, DMARC p=reject, mail handled by Other.

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 td.com

Check	Result	What was published
MX	Pass	`10 cluster5.us.messagelabs.com`, `20 cluster5a.us.messagelabs.com`. Mail handled by Other
SPF	Pass	`v=spf1 ip4:142.205.0.0/16 ip4:23.103.224.0/19 ip4:206.191.224.0/19 ip4:40.103.0.0/16 include:spf.protection.outlook.com include:_spf.salesforce.com ip4:206.71.18.20/31 include:spf.messagelabs.com a:outbd-pstfx.customercenter.net include:spf.cashedge.com ip4:205.189.240.46 ip4:205.189.242.12 ip4:206.19.48.18 ip4:104.152.152.132/30 -all`. DNS lookups: 8 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=reject; sp=reject; fo=1; rua=mailto:dmarc_rua@emaildefense.proofpoint.com,mailto:td@rua.agari.com; ruf=mailto:dmarc_ruf@emaildefense.proofpoint.com,mailto:td@ruf.agari.com`. Policy p=reject, subdomains sp=reject; reports collected (rua= set)
DKIM	Pass, not graded	Key found on selectors k1, s1, s2 (of 10 common selectors tried)

Where TD Bank ranks

TD Bank is the 12th largest FDIC-insured US bank by total assets, at $343bn as reported to the FDIC (certificate 18409; Wilmington, Delaware). Among the 999 graded banks, TD Bank ranks 11th by grade (ties broken by assets, larger first). In its asset band, $100bn and over, it ranks 11th of 31; among the 6 graded banks in Delaware, 2nd. 96.8% of its band and 83.3% 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: DNS lookups: at least 8 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 dmarc_rua@emaildefense.proofpoint.com, td@rua.agari.com.
DKIM, pass: DKIM key found at k1._domainkey.td.com, about 1024-bit RSA.
DKIM, pass: DKIM key found at s1._domainkey.td.com, about 2048-bit RSA.
DKIM, pass: DKIM key found at s2._domainkey.td.com, about 1024-bit RSA.

What this means if you sell to TD Bank

TD Bank's MX hosts belong to a provider we do not name from host names alone. Assume the inbound server checks SPF, DKIM and DMARC and scores reputation, as every major provider does. 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 td.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 18409.

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 TD 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