Union Savings Bank: email security grade F

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Union Savings Bank, Cincinnati, Ohio, is the 323rd largest FDIC-insured US bank by total assets ($4bn). On 4 November 2026 the public email records of unionsavingsbank.com graded F: MX pass, SPF fail, DMARC no record, mail handled by Own mail servers.

Grade F. Two or more essentials missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on unionsavingsbank.com

Check	Result	What was published
MX	Pass	`5 mail.unionsavingsbank.com`. Mail handled by Own mail servers
SPF	Fail	No SPF record
DMARC	Fail	No DMARC record at _dmarc.unionsavingsbank.com
DKIM	Reported, not graded	No key on any of 10 common selectors. This proves nothing: the bank's real selectors may be any name

Where Union Savings Bank ranks

Union Savings Bank is the 323rd largest FDIC-insured US bank by total assets, at $4bn as reported to the FDIC (certificate 32296; Cincinnati, Ohio). Among the 999 graded banks, Union Savings Bank ranks 987th by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 834th of 846; among the 35 graded banks in Ohio, 35th. 66% of its band and 82.9% 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.
SPF, fail: No SPF record on unionsavingsbank.com. Receivers have no list of the servers allowed to send as you, so they cannot tell your mail from a forgery.
DMARC, fail: No DMARC record at _dmarc.unionsavingsbank.com. Receivers get no instruction for mail that fails SPF and DKIM, and you get no reports.
DKIM, info: No DKIM key at the 10 common selectors tried. That does not mean DKIM is missing. Your email provider picks the selector name, and DNS has no way to list them.

What this means if you sell to Union Savings Bank

Union Savings Bank lists MX hosts under its own domain, so it runs or fronts its own mail servers. What filters sit behind them is not visible from DNS; assume they check SPF, DKIM and DMARC like everyone else, and that a bank-run gateway is at least as strict as a commercial one. 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 unionsavingsbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 32296.

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 Union Savings 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