Zions Bancorporation: email security grade D

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Zions Bancorporation, Salt Lake City, Utah, is the 34th largest FDIC-insured US bank by total assets ($89bn). On 4 November 2026 the public email records of zionsbancorporation.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 zionsbancorporation.com

Check	Result	What was published
MX	Fail	No MX records
SPF	Pass	`v=spf1 ip4:209.20.103.195 ip4:209.20.122.81 ip4:66.97.130.4 ip4:208.93.26.27 ip4:208.93.26.28 ip4:67.221.239.16 include:%{ir}.%{v}.%{d}.spf.has.pphosted.com -all`. DNS lookups: 1 or more of 10 allowed; ends -all
DMARC	Pass	`v=DMARC1; p=reject; fo=1; ri=3600; rua=mailto:dmarc_rua@emaildefense.proofpoint.com; ruf=mailto:dmarc_ruf@emaildefense.proofpoint.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 Zions Bancorporation ranks

Zions Bancorporation is the 34th largest FDIC-insured US bank by total assets, at $89bn as reported to the FDIC (certificate 2270; Salt Lake City, Utah). Among the 999 graded banks, Zions Bancorporation ranks 936th by grade (ties broken by assets, larger first). In its asset band, $10bn to $100bn, it ranks 115th of 122; among the 28 graded banks in Utah, 28th. 69.7% 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, fail: No MX records, so zionsbancorporation.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: at least 1 of the 10 allowed. 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.
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 Zions Bancorporation

zionsbancorporation.com publishes no MX records, so it does not receive mail. Zions Bancorporation'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 zionsbancorporation.com now for today's result. The FDIC's record of the bank is at BankFind, certificate 2270.

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 Zions Bancorporation 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