My bank sends me personalized e-mails, but they've only done it since I signed up for online banking, and I explicitly told them it would be okay to send such e-mails. I get a "rewards" statement each month (list of points I've accumulated for using my bank card) and occasional offers of new products.

I get similar e-mails from my credit card companies, usually reminding me to pay my bill.

As a precaution, I never click a link in one of these e-mails; I always go to the bank or card web site by typing the address into a new browser window.