I've had Internet Banking for 4/5 years now. Only received 1 email from them on day one of registration.
Since then, none. So If I get an email purporting to be from my bank I know it's a fake - straight in the trash! I don't have a payPal account or anything similar, so I also know they are all fakes if I get any. Just the bank to watch out for -- and believe me I do just that!