See 7 proven bank email marketing examples that boost engagement and conversions. Learn templates, strategies, and best practices for financial services.
Banks sit on a goldmine of customer data and squander most of it by sending generic, batch-and-blast emails that feel like they belong to a different decade. The institutions that get email right, however, are achieving open rates above 27%, driving measurable product uptake, and building the kind of trust that keeps customers loyal for years. This guide breaks down the best bank email marketing examples, what makes each one work, and how you can apply the same principles to your own campaigns.
Key Takeaways
The average email open rate for financial services is around 27.42%, well above the cross-industry average, which means your audience is ready to engage when you send something worth reading.
Banks that use strategic personalization achieve 14% higher click-through rates and 10% improved conversion rates compared to generic campaigns.
First Federal Savings Bank launched targeted email campaigns to over 11,000 customers, resulting in over 500 new product accounts, and saw a 24% increase in monthly new account openings in the first three months alone.
The financial sector achieves strong email performance through strict compliance practices and sophisticated segmentation, with 38% of financial marketers operating at the highest segmentation levels.
Compliance is not optional. Banks must follow GDPR, CAN-SPAM, and CCPA regulations, obtain explicit consent, and implement SPF, DKIM, and DMARC authentication to protect deliverability and customer trust.
Why Email Marketing Works Differently for Banks
Banking emails do not compete the same way retail or e-commerce emails do. Customers are not browsing for deals. They expect accuracy, trust, and relevance. Only 43% of people believe banks genuinely care about their long-term financial success, and this trust deficit makes it essential for financial institutions to prioritize both compliance and authentic communication in their email marketing strategies.
The opportunity is significant. Modern financial consumers demand personalized experiences, with 72% of clients expecting businesses to recognize them as individuals. Furthermore, 79% of consumers view their financial institutions as merely transactional rather than relational, which creates an opening to strengthen client relationships through targeted email communications.
See 7 proven bank email marketing examples that boost engagement and conversions. Learn templates, strategies, and best practices for financial services.
Banks sit on a goldmine of customer data and squander most of it by sending generic, batch-and-blast emails that feel like they belong to a different decade. The institutions that get email right, however, are achieving open rates above 27%, driving measurable product uptake, and building the kind of trust that keeps customers loyal for years. This guide breaks down the best bank email marketing examples, what makes each one work, and how you can apply the same principles to your own campaigns.
Key Takeaways
The average email open rate for financial services is around 27.42%, well above the cross-industry average, which means your audience is ready to engage when you send something worth reading.
Banks that use strategic personalization achieve 14% higher click-through rates and 10% improved conversion rates compared to generic campaigns.
First Federal Savings Bank launched targeted email campaigns to over 11,000 customers, resulting in over 500 new product accounts, and saw a 24% increase in monthly new account openings in the first three months alone.
The financial sector achieves strong email performance through strict compliance practices and sophisticated segmentation, with 38% of financial marketers operating at the highest segmentation levels.
Compliance is not optional. Banks must follow GDPR, CAN-SPAM, and CCPA regulations, obtain explicit consent, and implement SPF, DKIM, and DMARC authentication to protect deliverability and customer trust.
Why Email Marketing Works Differently for Banks
Banking emails do not compete the same way retail or e-commerce emails do. Customers are not browsing for deals. They expect accuracy, trust, and relevance. Only 43% of people believe banks genuinely care about their long-term financial success, and this trust deficit makes it essential for financial institutions to prioritize both compliance and authentic communication in their email marketing strategies.
The opportunity is significant. Modern financial consumers demand personalized experiences, with 72% of clients expecting businesses to recognize them as individuals. Furthermore, 79% of consumers view their financial institutions as merely transactional rather than relational, which creates an opening to strengthen client relationships through targeted email communications.
Email is the right channel for that shift. Email marketing offers trust, compliance, and measurable impact for financial services. Customers expect sensitive information, like account updates and investment advice, to be delivered securely and reliably, and email provides a direct, private channel that aligns with these expectations, helping institutions maintain credibility and foster long-term relationships.
1. Welcome and Onboarding Email Examples
The welcome sequence is the highest-leverage campaign any bank can run. Welcome emails have an average open rate of 69%, reaching up to 80%, which means new customers are primed to engage the moment they sign up.
The best banking onboarding emails do three things: confirm the account is active, explain the next steps clearly, and introduce one or two product features that are immediately useful. They do not dump every product in the catalog on page one.
Setting up an automated onboarding series for each new customer works best, and it can branch out depending on the services they sign up for.
What a strong bank onboarding email includes:
A clear confirmation with the customer's first name in the subject line
A single, specific call to action (activate your debit card, complete your profile, set up direct deposit)
A security reminder explaining what the bank will and will not ask via email
A preview of one tangible benefit the customer can use today
United Bank for Africa does this well. Their welcome email clearly highlights how the account will help the customer manage money and includes everything the customer can do with their new debit card. That focus on immediate utility, not marketing copy, is what drives the first click.
For a deeper look at structuring the first emails customers receive, see our guide on welcome email sequence best practices.
2. Transactional and Notification Email Examples
Among financial services email best practices, notification emails come first. They generate higher open rates and engagement because clients expect them since they follow a specific action the customer performed.
Transaction confirmations, balance alerts, payment reminders, and fraud notifications fall into this category. They are functional, not promotional, but that does not mean they cannot build loyalty. The best banks use the real estate at the bottom of a transaction email to surface one relevant, low-pressure cross-sell tied to what the customer just did.
Transactional emails are messages triggered by a customer or member's interaction with the bank. Examples include confirmation emails for transactions, account statements, password resets, and account alerts.
Venmo's transfer notification is a simple example: it confirms the transaction, shows the amount and recipient clearly, and adds a subtle prompt to explore their related products. The message earns its place in the inbox by being useful first.
Key rules for transactional bank emails:
Send within seconds of the triggering action
Keep the primary message at the top, uncluttered
Use plain, direct language, not financial jargon
Include a secure link to the relevant account page, never a request for credentials
Add one optional content block for cross-sell, below the fold
3. Product Promotion and Cross-Sell Email Examples
Promotional emails are where most banks either break trust or build it. The difference comes down to timing and relevance.
There is no one-size-fits-all approach in the financial services industry. Your offer should match an individual's needs, life stages, and funds. A mortgage offer sent to a 22-year-old student account holder is not just irrelevant; it signals that the bank does not know who it is talking to.
Ally Bank sends targeted emails to younger users to teach them about the importance of investing aggressively and early as they begin their careers. That kind of age-based segmentation turns a product pitch into genuine financial guidance.
The same principle applies at the product level. By understanding the financial products and services that different customer segments are likely to need, banks can identify opportunities to recommend additional products. For instance, a bank may find that a segment of customers with savings accounts could benefit from investment products, allowing them to proactively market these options and increase revenue.
What strong bank cross-sell emails do:
Lead with a relevant customer insight ("You've saved $X in the past 6 months")
Present one product that logically connects to that behavior
Use a single, clear CTA
Keep the email short, under 200 words of body copy
Link to a mobile-optimized landing page, not a generic product page
4. Financial Education and Newsletter Email Examples
Educational emails are a long-term trust-building tool. Product education emails deliver valuable content on financial literacy, product features, and best practices, and empower customers to make informed decisions while increasing product adoption.
Wealthsimple has built much of its subscriber base around this approach. The company uses eye-opening statistics in its promotional campaigns and does not start out advertising its services. Instead, it tells prospects about their ability to become millionaires by saving only a few thousand dollars per year.
Their emails tend to be humorous as well, and they have found this mix of information and education garners them more than the average amount of attention and, eventually, conversions.
Educational drip campaigns are information-rich emails sent at set intervals. Fintech companies use them for mobile banking updates and robo-investing services.
Types of educational content that perform well for banks:
Monthly market commentary (short, plain language)
"How-to" guides tied to a product the customer already has
Seasonal content (tax prep checklist in Q1, year-end savings review in Q4)
Financial milestone guides keyed to life events (first home, first business, retirement)
Many banks develop templates for sharing educational content, financial tips, community involvement, and institutional news. PDF newsletters should be replaced with email that drives traffic to specific pages where visitors can better engage and conversions can be tracked.
5. Lifecycle and Retention Email Examples
Keeping existing customers is significantly cheaper than acquiring new ones, and email is the right channel to do it. Financial services enjoy high retention rates compared to retail because the switching cost for customers is perceived as high, even when actual barriers are low. That perception, however, can erode if customers feel ignored.
To keep customers using your financial services, ongoing email engagement is essential. It keeps your brand in mind and opens opportunities for upsells and cross-sells.
Triggered lifecycle emails outperform broadcast campaigns significantly. Triggered emails, like welcome sequences or event follow-ups, generate 2 to 3 times the click-through rates of batch campaigns.
Triggered emails are set up to send automatically when a condition is met. Examples include alerts about reaching a savings limit, registering a big gain on investments, reminders about insurance renewal dates, and upsells to a higher plan after one year in the current one.
Retention email examples from high-performing banks typically include:
Annual financial review invitations tied to the account anniversary
Milestone celebrations ("You've been with us 5 years, here's an exclusive rate")
Re-engagement campaigns for customers who have not logged in within 90 days
Loyalty reward summaries showing the customer what they have earned and what they can do with it
Banks and financial services like credit card companies use loyalty programs and nurturing flows to reward loyal members through points, travel, discounts, and exclusive membership offers, often using data analysis to find their most valuable customers and their likelihood to churn.
6. Segmentation: The Foundation of Effective Bank Email Campaigns
Every example above depends on one thing: knowing who you are sending to. Segmentation is the foundation of impactful email marketing for financial services.
The average email open rate for financial services sits at around 27.42%, but behavior-based personalization drives open rates as high as 42.36% and a click-to-open rate of 21.64%, with the lowest unsubscribe rates at 0.13%.
The real-world results back this up. First Federal Savings Bank overcame siloed customer data by implementing a CRM and marketing automation platform. By unifying data from their core banking software and launching automated onboarding journeys, they launched targeted email campaigns to over 11,000 customers, resulting in over 500 new product and service accounts, and saw a 24% increase in monthly new account openings in just three months.
In another case, a personalized campaign resulted in a 300% increase in home equity and mortgage applications, a 20% increase in auto loan leads, and 15 million in total submitted loan leads in the first month.
Practical segmentation categories for banks:
Life stage (student, first-time homebuyer, pre-retiree)
Product relationship (savings only vs. mortgage + savings + investment)
Digital engagement level (app-active vs. branch-dependent)
7. Compliance and Deliverability in Bank Email Marketing
Banks operate under regulatory constraints that most industries do not face. That changes how you build, send, and authenticate your emails.
Major challenges in financial email marketing include data privacy concerns, regulatory compliance, email fatigue, and the need for personalization to improve engagement.
Data security is a real concern in the financial and banking industry. Finance has always been a frontrunner in mitigating risks. It is common for financial institutions to invest millions to manage data and communicate securely, because data breaches are a significant potential risk and trust is key for customer relationships.
On the technical side, authentication directly affects inbox placement. DMARC implementation improves inbox placement by 10 to 20%. With Gmail and Yahoo requiring DMARC for senders of 5,000 or more daily emails, authentication has become a deliverability prerequisite rather than a best practice.
Studies indicate response rates decline 30 to 40% each week after the initial triggering behavior, so financial institutions must act within 24 hours of trigger events.
Bank email compliance checklist:
Obtain explicit consent before adding anyone to a marketing list
Include a clear unsubscribe mechanism in every commercial email
Never include account numbers, full card details, or passwords in any email
Set internal rules that make known to customers what the bank will never ask via email
Implement SPF, DKIM, and DMARC on your sending domain
Maintain records of consent for audit purposes
Suppress unsubscribes and hard bounces immediately
To track whether your campaigns are meeting these standards and driving results, use a structured analytics framework. Our email marketing analytics best practices guide covers the metrics that matter most.
8. Subject Lines That Work for Banking Emails
Subject lines are critically important, and longer subject lines actually outperform shorter ones in financial services email. That runs counter to general advice, but it makes sense in context. The modern digital consumer automatically tunes out sales messages, and sales messages tend to be short, while informational messages are longer. This is why subject lines with a percentage or statistic outperform all others across industries and buyer profiles.
Examples of high-performing bank subject line formats:
Data-led: "Your savings grew 12% this year. Here's how to go further."
Milestone-triggered: "You've been with us 2 years. Here's something exclusive."
Urgency with context: "Your CD rate expires in 7 days. Here are your options."
Educational hook: "3 things most people get wrong about home equity loans"
Personalized prompt: "[First name], your account summary for October is ready"
For a full breakdown of what moves the needle, see email subject line best practices that boost open rates.
Frequently Asked Questions
What types of emails should banks send?
All emails a bank sends break down into two fundamental categories: transactional and commercial marketing emails. Transactional emails are triggered by a customer or member's interaction with the bank, and examples include confirmation emails for transactions, account statements, password resets, and account alerts. Commercial emails include newsletters, product promotions, lifecycle campaigns, and educational content. The most effective bank email programs use both types in a coordinated strategy.
What is the average open rate for bank marketing emails?
Financial services email open rates typically range from 21% to 25%, depending on the sub-vertical. Wealth management and fintech firms trend toward the higher end at 24 to 26%, while insurance and retail banking average 18 to 21%. These figures reflect 2024 to 2025 benchmarks from Mailchimp and HubSpot, adjusted for Apple Mail Privacy Protection inflation.
How do banks personalize email campaigns effectively?
Journey-based personalization drives the highest conversion rates in the financial services industry, and there are various ways to integrate this into an email strategy. The core approach is to map customer data, such as product relationship, account activity, life stage, and engagement history, to specific email triggers. Financial institutions implementing personalized email campaigns see 14% higher click-through rates and 10% improved conversion rates, and through strategic segmentation and automation, banks can deliver timely, relevant content that resonates with individual clients' financial goals and life stages.
What compliance rules apply to bank email marketing?
Banks operating in the United States must follow the CAN-SPAM Act, which requires a clear unsubscribe option, accurate sender information, and no deceptive subject lines. Banks and other financial services operate in very regulated environments. Communication can be sensitive, with customers expecting emails to be compliant with regulations and highly relevant. Sending generic emails not only risks unsubscriptions but can also impact credibility. Institutions handling EU customer data must also comply with GDPR, and those with California customers must address CCPA requirements. Authentication protocols (SPF, DKIM, DMARC) are now mandatory for bulk senders on Gmail and Yahoo.
Email is the right channel for that shift. Email marketing offers trust, compliance, and measurable impact for financial services. Customers expect sensitive information, like account updates and investment advice, to be delivered securely and reliably, and email provides a direct, private channel that aligns with these expectations, helping institutions maintain credibility and foster long-term relationships.
1. Welcome and Onboarding Email Examples
The welcome sequence is the highest-leverage campaign any bank can run. Welcome emails have an average open rate of 69%, reaching up to 80%, which means new customers are primed to engage the moment they sign up.
The best banking onboarding emails do three things: confirm the account is active, explain the next steps clearly, and introduce one or two product features that are immediately useful. They do not dump every product in the catalog on page one.
Setting up an automated onboarding series for each new customer works best, and it can branch out depending on the services they sign up for.
What a strong bank onboarding email includes:
A clear confirmation with the customer's first name in the subject line
A single, specific call to action (activate your debit card, complete your profile, set up direct deposit)
A security reminder explaining what the bank will and will not ask via email
A preview of one tangible benefit the customer can use today
United Bank for Africa does this well. Their welcome email clearly highlights how the account will help the customer manage money and includes everything the customer can do with their new debit card. That focus on immediate utility, not marketing copy, is what drives the first click.
For a deeper look at structuring the first emails customers receive, see our guide on welcome email sequence best practices.
2. Transactional and Notification Email Examples
Among financial services email best practices, notification emails come first. They generate higher open rates and engagement because clients expect them since they follow a specific action the customer performed.
Transaction confirmations, balance alerts, payment reminders, and fraud notifications fall into this category. They are functional, not promotional, but that does not mean they cannot build loyalty. The best banks use the real estate at the bottom of a transaction email to surface one relevant, low-pressure cross-sell tied to what the customer just did.
Transactional emails are messages triggered by a customer or member's interaction with the bank. Examples include confirmation emails for transactions, account statements, password resets, and account alerts.
Venmo's transfer notification is a simple example: it confirms the transaction, shows the amount and recipient clearly, and adds a subtle prompt to explore their related products. The message earns its place in the inbox by being useful first.
Key rules for transactional bank emails:
Send within seconds of the triggering action
Keep the primary message at the top, uncluttered
Use plain, direct language, not financial jargon
Include a secure link to the relevant account page, never a request for credentials
Add one optional content block for cross-sell, below the fold
3. Product Promotion and Cross-Sell Email Examples
Promotional emails are where most banks either break trust or build it. The difference comes down to timing and relevance.
There is no one-size-fits-all approach in the financial services industry. Your offer should match an individual's needs, life stages, and funds. A mortgage offer sent to a 22-year-old student account holder is not just irrelevant; it signals that the bank does not know who it is talking to.
Ally Bank sends targeted emails to younger users to teach them about the importance of investing aggressively and early as they begin their careers. That kind of age-based segmentation turns a product pitch into genuine financial guidance.
The same principle applies at the product level. By understanding the financial products and services that different customer segments are likely to need, banks can identify opportunities to recommend additional products. For instance, a bank may find that a segment of customers with savings accounts could benefit from investment products, allowing them to proactively market these options and increase revenue.
What strong bank cross-sell emails do:
Lead with a relevant customer insight ("You've saved $X in the past 6 months")
Present one product that logically connects to that behavior
Use a single, clear CTA
Keep the email short, under 200 words of body copy
Link to a mobile-optimized landing page, not a generic product page
4. Financial Education and Newsletter Email Examples
Educational emails are a long-term trust-building tool. Product education emails deliver valuable content on financial literacy, product features, and best practices, and empower customers to make informed decisions while increasing product adoption.
Wealthsimple has built much of its subscriber base around this approach. The company uses eye-opening statistics in its promotional campaigns and does not start out advertising its services. Instead, it tells prospects about their ability to become millionaires by saving only a few thousand dollars per year.
Their emails tend to be humorous as well, and they have found this mix of information and education garners them more than the average amount of attention and, eventually, conversions.
Educational drip campaigns are information-rich emails sent at set intervals. Fintech companies use them for mobile banking updates and robo-investing services.
Types of educational content that perform well for banks:
Monthly market commentary (short, plain language)
"How-to" guides tied to a product the customer already has
Seasonal content (tax prep checklist in Q1, year-end savings review in Q4)
Financial milestone guides keyed to life events (first home, first business, retirement)
Many banks develop templates for sharing educational content, financial tips, community involvement, and institutional news. PDF newsletters should be replaced with email that drives traffic to specific pages where visitors can better engage and conversions can be tracked.
5. Lifecycle and Retention Email Examples
Keeping existing customers is significantly cheaper than acquiring new ones, and email is the right channel to do it. Financial services enjoy high retention rates compared to retail because the switching cost for customers is perceived as high, even when actual barriers are low. That perception, however, can erode if customers feel ignored.
To keep customers using your financial services, ongoing email engagement is essential. It keeps your brand in mind and opens opportunities for upsells and cross-sells.
Triggered lifecycle emails outperform broadcast campaigns significantly. Triggered emails, like welcome sequences or event follow-ups, generate 2 to 3 times the click-through rates of batch campaigns.
Triggered emails are set up to send automatically when a condition is met. Examples include alerts about reaching a savings limit, registering a big gain on investments, reminders about insurance renewal dates, and upsells to a higher plan after one year in the current one.
Retention email examples from high-performing banks typically include:
Annual financial review invitations tied to the account anniversary
Milestone celebrations ("You've been with us 5 years, here's an exclusive rate")
Re-engagement campaigns for customers who have not logged in within 90 days
Loyalty reward summaries showing the customer what they have earned and what they can do with it
Banks and financial services like credit card companies use loyalty programs and nurturing flows to reward loyal members through points, travel, discounts, and exclusive membership offers, often using data analysis to find their most valuable customers and their likelihood to churn.
6. Segmentation: The Foundation of Effective Bank Email Campaigns
Every example above depends on one thing: knowing who you are sending to. Segmentation is the foundation of impactful email marketing for financial services.
The average email open rate for financial services sits at around 27.42%, but behavior-based personalization drives open rates as high as 42.36% and a click-to-open rate of 21.64%, with the lowest unsubscribe rates at 0.13%.
The real-world results back this up. First Federal Savings Bank overcame siloed customer data by implementing a CRM and marketing automation platform. By unifying data from their core banking software and launching automated onboarding journeys, they launched targeted email campaigns to over 11,000 customers, resulting in over 500 new product and service accounts, and saw a 24% increase in monthly new account openings in just three months.
In another case, a personalized campaign resulted in a 300% increase in home equity and mortgage applications, a 20% increase in auto loan leads, and 15 million in total submitted loan leads in the first month.
Practical segmentation categories for banks:
Life stage (student, first-time homebuyer, pre-retiree)
Product relationship (savings only vs. mortgage + savings + investment)
Digital engagement level (app-active vs. branch-dependent)
7. Compliance and Deliverability in Bank Email Marketing
Banks operate under regulatory constraints that most industries do not face. That changes how you build, send, and authenticate your emails.
Major challenges in financial email marketing include data privacy concerns, regulatory compliance, email fatigue, and the need for personalization to improve engagement.
Data security is a real concern in the financial and banking industry. Finance has always been a frontrunner in mitigating risks. It is common for financial institutions to invest millions to manage data and communicate securely, because data breaches are a significant potential risk and trust is key for customer relationships.
On the technical side, authentication directly affects inbox placement. DMARC implementation improves inbox placement by 10 to 20%. With Gmail and Yahoo requiring DMARC for senders of 5,000 or more daily emails, authentication has become a deliverability prerequisite rather than a best practice.
Studies indicate response rates decline 30 to 40% each week after the initial triggering behavior, so financial institutions must act within 24 hours of trigger events.
Bank email compliance checklist:
Obtain explicit consent before adding anyone to a marketing list
Include a clear unsubscribe mechanism in every commercial email
Never include account numbers, full card details, or passwords in any email
Set internal rules that make known to customers what the bank will never ask via email
Implement SPF, DKIM, and DMARC on your sending domain
Maintain records of consent for audit purposes
Suppress unsubscribes and hard bounces immediately
To track whether your campaigns are meeting these standards and driving results, use a structured analytics framework. Our email marketing analytics best practices guide covers the metrics that matter most.
8. Subject Lines That Work for Banking Emails
Subject lines are critically important, and longer subject lines actually outperform shorter ones in financial services email. That runs counter to general advice, but it makes sense in context. The modern digital consumer automatically tunes out sales messages, and sales messages tend to be short, while informational messages are longer. This is why subject lines with a percentage or statistic outperform all others across industries and buyer profiles.
Examples of high-performing bank subject line formats:
Data-led: "Your savings grew 12% this year. Here's how to go further."
Milestone-triggered: "You've been with us 2 years. Here's something exclusive."
Urgency with context: "Your CD rate expires in 7 days. Here are your options."
Educational hook: "3 things most people get wrong about home equity loans"
Personalized prompt: "[First name], your account summary for October is ready"
For a full breakdown of what moves the needle, see email subject line best practices that boost open rates.
Frequently Asked Questions
What types of emails should banks send?
All emails a bank sends break down into two fundamental categories: transactional and commercial marketing emails. Transactional emails are triggered by a customer or member's interaction with the bank, and examples include confirmation emails for transactions, account statements, password resets, and account alerts. Commercial emails include newsletters, product promotions, lifecycle campaigns, and educational content. The most effective bank email programs use both types in a coordinated strategy.
What is the average open rate for bank marketing emails?
Financial services email open rates typically range from 21% to 25%, depending on the sub-vertical. Wealth management and fintech firms trend toward the higher end at 24 to 26%, while insurance and retail banking average 18 to 21%. These figures reflect 2024 to 2025 benchmarks from Mailchimp and HubSpot, adjusted for Apple Mail Privacy Protection inflation.
How do banks personalize email campaigns effectively?
Journey-based personalization drives the highest conversion rates in the financial services industry, and there are various ways to integrate this into an email strategy. The core approach is to map customer data, such as product relationship, account activity, life stage, and engagement history, to specific email triggers. Financial institutions implementing personalized email campaigns see 14% higher click-through rates and 10% improved conversion rates, and through strategic segmentation and automation, banks can deliver timely, relevant content that resonates with individual clients' financial goals and life stages.
What compliance rules apply to bank email marketing?
Banks operating in the United States must follow the CAN-SPAM Act, which requires a clear unsubscribe option, accurate sender information, and no deceptive subject lines. Banks and other financial services operate in very regulated environments. Communication can be sensitive, with customers expecting emails to be compliant with regulations and highly relevant. Sending generic emails not only risks unsubscriptions but can also impact credibility. Institutions handling EU customer data must also comply with GDPR, and those with California customers must address CCPA requirements. Authentication protocols (SPF, DKIM, DMARC) are now mandatory for bulk senders on Gmail and Yahoo.
