United Business Bank: email security grade D

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United Business Bank, Walnut Creek, California, is the 481st largest FDIC-insured US bank by total assets ($2.6bn). On 4 November 2026 the public email records of unitedbusinessbank.com graded D: MX fail, SPF pass, DMARC p=reject, no MX records.

Grade D. One required record missing or broken. Read by DNS on 4 November 2026; the records are shown as published.

What was found on unitedbusinessbank.com

Check	Result	What was published
MX	Fail	No MX records
SPF	Pass	`v=spf1 include:spfhost.messageprovider.com -all`. DNS lookups: 1 of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1;p=reject;rua=mailto:xckaodmu@ag.us.dmarcian.com;`. Policy p=reject; reports collected (rua= set)
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 United Business Bank ranks

United Business Bank is the 481st largest FDIC-insured US bank by total assets, at $2.6bn as reported to the FDIC (certificate 57716; Walnut Creek, California). Among the 999 graded banks, United Business Bank ranks 952nd by grade (ties broken by assets, larger first). In its asset band, $1bn to $10bn, it ranks 800th of 846; among the 58 graded banks in California, 54th. 66% of its band and 62.1% of its state graded A.

What this means for the bank

The checker's own notes on each record:

MX, fail: No MX records, so unitedbusinessbank.com cannot receive mail. Every reply to a cold email sent from it bounces.
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: about 1 of the 10 allowed. This count is an estimate.
DMARC, pass: Policy p=reject: receivers are asked to refuse mail that fails.
DMARC, info: Reports go to xckaodmu@ag.us.dmarcian.com.
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 United Business Bank

unitedbusinessbank.com publishes no MX records, so it does not receive mail. United Business Bank's staff mail must run on another domain, which this check did not read. 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 unitedbusinessbank.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 57716.

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 United Business 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