golden rule, never click on a link that's appears to have arrived by e-mail from your bank or a service supplier. Always go the service supplier or banks own web site
Couldn't agree more.
If its a serious issue, you would be contacted by good old fashioned mail.
I also couldn't agree more
My business email address gets between 10 and 20 spam emails on a daily basis and at least 5 are phishing emails or attachments with viruses
If an email gets past your spam filter it doesn't mean it is not spam
Do as jim suggested, go direct to the website and do not click on links or open attachments (unless you trust the source 100%)
It is unfortunate that spam is getting more sophisticated and tricking unsuspected victims is getting more commonplace