You might ask the bank how they know " marked as received at my email address" There is no way to know that, unless they use web beacons, and the mail needs to be read with images showing for them to work. A mail server (your providers) is under no obligation to do anything with any mail is receives (although generally they deliver them) so just because the bank get no non delivery notification it does not mean the server delivered it. It is like them saying they posted it and you got it. Sure they posted it, but where did it get delivered, if at all. That is not something that even the postman would know, the same goes for email. You best bet may well be to contact you mail provider and ask them. If it is one of the big US ISPs there is a good chance they just dropped it because they had decided it was spam.