Banks and S/MIME (and other public key encrypted mail options)

Many widely deployed mail client apps support S/MIME. Banks worry about phishing and security since generally they are either liable for losses due to unauthorized online account access or act as though they are to encourage use of the online tools rather than expensive agents. I really wish a bank supported me giving them a public cert to encrypt use for all communications to me — and published a public cert that I could use to validate all communications from them.

They all handle SSL in the browser and they all support some kind of email-based notifications.

Then, ideally, I could configure my mail client to binfile anything from their domain that isn’t signed with the right key and encrypted to me.

On the other hand, it may be dangerous to stop training people that clicking on a link in email is never a good idea.