Is crestmark.com Safe? Security Analysis for Pathward
Check if crestmark.com is a scam or legitimate. Free security scan and reviews.
AI Summary
Pathward is a federally registered financial institution focused on powering financial inclusion by providing banking infrastructure, technology partnerships, and commercial finance solutions. The company positions itself as a disruptor in traditional banking, targeting third-party partners and businesses to deliver innovative banking programs. The website reflects a mature digital presence with comprehensive content, clear navigation, and professional branding. Technically, the site leverages Adobe Experience Manager, Google Tag Manager, Marketo, and other modern tools, ensuring good performance and mobile optimization. Security posture is strong with HTTPS, security headers, and reCAPTCHA integration, although explicit security policies and incident response details are not published. The absence of WHOIS data is a notable gap, but external references and branding suggest legitimacy. Overall, the site is trustworthy and well-maintained, serving a large finance sector audience.
Detected Technologies
🧠AI Business Intelligence
Technology stack, business insights, and market analysis powered by AI.
Business Intelligence
Market & Strategic Analysis
Pathward operates in the finance sector, specializing in banking as a service and commercial finance. Its business model revolves around partnering with third parties to deliver banking programs and financial solutions. The company targets businesses needing financial infrastructure and individuals seeking financial inclusion. The presence of investor relations and careers sections indicates a sizable and growing organization. Partnerships with entities like Crestmark and various technology providers enhance its ecosystem. The company emphasizes financial inclusion and innovation, positioning itself competitively in the banking industry.
Security Posture Analysis
Comprehensive Security Assessment
The website demonstrates a solid security posture with enforced HTTPS, use of security headers, and integration of Google reCAPTCHA to protect forms. Cookie consent mechanisms are implemented, supporting privacy compliance. However, the site lacks publicly available detailed security policies, incident response plans, or vulnerability disclosure programs. No direct security contact emails were found, which could hinder incident reporting. No vulnerabilities or exposed sensitive data were detected in the HTML content. Overall, the security maturity is good but could be improved by publishing more explicit security governance information.
Strategic Recommendations
Priority Actions for Security Improvement
Publish a dedicated security policy and incident response information page to enhance transparency.
✨Observations
AI-powered comprehensive website and business analysis.
AI-Enhanced Website Analysis
Business Insights
Pathward
Pathward powers financial inclusion for all and is committed to providing a path for people and businesses to reach the next stage of their financial journey. It is a federally registered financial institution offering banking infrastructure, technology partnerships, and commercial finance solutions.
excellent
consistent
Technical Stack
fast
excellent
good
good
Security Assessment
- HTTPS enforced
- Use of reCAPTCHA for forms
- Cookie consent mechanism
- No exposed sensitive data in HTML
- Use of security headers
Analytics & Tracking
Advertising & Marketing
Website Quality Assessment
Key Observations
Website is professionally designed and well-structured
🛡️Security Headers
HTTP security headers analysis and recommendations.
Security Headers
HTTP security headers analysis
Missing X-XSS-Protection header
MEDIUMLegacy XSS protection (deprecated but still recommended)
Sensitive data may be cached
LOWCache-Control header should include "no-store" for sensitive pages
👤GDPR Compliance
Privacy and data protection assessment under GDPR regulations.
GDPR Compliance
Privacy and data protection assessment
No Cookie Policy found
HIGHGDPR requires clear information about cookie usage
No Cookie Consent Banner found
HIGHGDPR requires explicit consent for non-essential cookies
Privacy policy may not be GDPR compliant
MEDIUMPrivacy policy lacks explicit GDPR compliance elements
GDPR Compliance Analysis
🛡️NIS2 Compliance
Network & Information Security Directive compliance assessment.
NIS2 Compliance
Network & Information Security Directive
No vulnerability disclosure policy
MEDIUMNIS2 encourages coordinated vulnerability disclosure
No incident response procedures found
HIGHNIS2 requires documented incident response and business continuity plans
No business continuity planning found
MEDIUMNIS2 emphasizes operational resilience and business continuity
No security contact information
HIGHNIS2 requires clear incident reporting channels
No vulnerability reporting mechanism
MEDIUMClear vulnerability reporting supports coordinated disclosure
No NIS2 reference found
LOWConsider explicitly mentioning NIS2 compliance efforts
📧Email Security
SPF, DKIM, and DMARC validation and email security assessment.
Email Security
SPF, DKIM, and DMARC validation
DMARC not enforcing
MEDIUMDMARC policy is set to "none"
No BIMI Record
LOWBIMI displays brand logos in email clients
No MTA-STS Policy
MEDIUMMTA-STS enforces TLS for email delivery
No TLS-RPT Record
LOWTLS-RPT provides reporting for email TLS issues
SPF Details
DKIM Selectors Found
DMARC Details
🏆SSL/TLS Security
Certificate validity and encryption analysis.
SSL/TLS Security
Certificate validity and encryption analysis
Weak Protocols Supported
HIGHServer supports weak protocols: TLSv1.1
Certificate Transparency Not Implemented
LOWCertificate is not logged in Certificate Transparency logs
Weak SSL Key Length
HIGHSSL certificate uses 256-bit key, which is considered weak
Partial SSL/TLS Assessment
LOWCompleted 3 of 4 security checks due to time constraints
Protocol Support
OCSP Status
📊DNS Health
DNS configuration and security assessment.
DNS Health
DNS configuration and security assessment
DNSSEC Not Enabled
MEDIUMDNSSEC is not configured for this domain
CAA Records Not Configured
LOWCertificate Authority Authorization (CAA) records not found
DMARC Policy Set to None
LOWDMARC is configured but not enforcing any policy
DNS Records
DNSSEC Status
SPF Analysis
⚡Network Security
Port scanning and network exposure analysis.
Network Security
Port scanning and network exposure analysis
Good Network Security Posture
LOWNo unnecessary services detected on common risky ports
🔧Technical Analysis
Detailed technical findings and analysis from AI assessment.
Technical Analysis
Comprehensive security assessment findings