Email Notification

[Peter]

I have a table with the following information:

Name email address
grace (e-mail address removed)
joe (e-mail address removed)
ken (e-mail address removed)

These people are tied to certain accounts (one to many relationship). What
I'd like to do is when they first open the Access database, have an email
sent to everyone that has accounts that are due. This should be one email
and should list the names of the customer accounts that are due only once.
If someone else opens the database later, the email is not sent again.

I think I need a query that filters all the accounts that are due as of today,
but I don't know how to link that to the people or how to structure the email
based off the query so that one email goes to grace and lists all her
accounts that are due. And one email to joe, which lists all his accounts
that are due.

Thanks for your help,

Peter