The scammails come with links, downloadable forms and requests for personal information that banks don't ask you. Any time you have any doubt as to whether your account needs tending to, go directly to their site through a separate window you open in your browser or go really low tech and phone them.
Subject: Western Union- You have 1 new ALERT message.
From: Western Union firstname.lastname@example.org
We are sorry to inform you that your Western Union Online Account has been suspended. A high number of failed login attempts have been recorded on your online account. As a security measure we had to temporarily suspend your account.
To restore your account we have attached a form to this email. Please download the form and follow the instructions on your screen.
We apologize for any inconvenience this may have caused.
Sincerely, the Western Union security team.
Nope - no account here either:
New Security Upgrade
From: TD Canada Trust email@example.com
Sent: June 4, 2010 8:11:22 AM
TD Canada Trust is hereby announcing the New Security Upgrade. We've upgraded our new SSL servers to serve our customers for a better and secure banking service against any fraudulent activities.
Our new security system will help you to avoid unauthorized access to your account
and keep you safe. Due to technical maintenance we need you to confirm your account.
TD Canada Trust is committed to ensure the safeguard of each customer's personal information, making sure only authorised individuals have access to their accounts. It is all about your security.
Accounts Management As outlined in our User Agreement, TD Canada Trust will
periodically send you information about site changes and enhancements.