the login man page:
       If  the  file  .hushlogin  exists, then a "quiet" login is
       performed (this disables the checking of the  checking  of
       mail  and  the printing of the last login time and message
       of the day).  Otherwise, if /var/log/lastlog  exists,  the
       last  login  time  is  printed  (and  the current login is
       recorded).
<snip>
       Last, if this is
       not a "quiet" login, the message of the day is printed and
       the  file  with the user's name in /usr/spool/mail will be
       checked, and a message printed if it has non-zero  length.


note that bash can also be verbose about new mail coming ...

hope this helps
pascal

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