I once received similar emails to yours and in regards to banking, when I in fact had nothing to bank. I double checked, and somehow my email address on my account had been changed.
This brought up 2 issues. Who was getting emails for my account? And secondly, whose account did I get emails for?
I very quickly changed my password, just in case, and reset the email address. This of course only brought up another issue with their system. When you change your email address, they send an email to the new address, but never the old address. So if by some chance you get hacked, and someone does change your email address, you'd never know. Unless you logged in. How often do you that?
As for the poor wording of the email, it drove me nuts because it states it as a fact, not a possibility. I was more concerned over the email issue and let member services know about the whole situation.