That's why you save local copies of records (statements, etc.). "Computer says no" can be fought with "judge says yes".
The only physical thing I’ve got from my bank is an ATM card.
My bank just sends a note that a statement is available, rather than an actual statement.
Which is why all of my accounts mail a physical statement each month. Yes, just about every time I log on they beg me to switch to electronic only, I say no and move along.
> My bank just sends a note that a statement is available, rather than an actual statement.
Yep. If they had implemented it just like the mail, they'd just email me the PDF (encrypted if necessary). But they don't, so I don't ever agree to "go electronic statements".