"Phishing" or "spoofing" happens when criminals send e-mail messages that appear to represent a legitimate business (such as a bank or retailer), with the intent of tricking the recipient into providing personal, confidential information (account numbers, personal IDs, passwords, card numbers and PINs) so it can be used for financial fraud or identity theft.
We will never ask for this information via e-mail.

Fraudulent e-mails are hard to detect because they use an address, style, wording, logos and graphics that make them look legitimate. Often, these e-mails will include links to fake Web sites or launch pop up windows that are used to collect personal information.
Do not respond right away to demanding or unusually urgent e-mails. Criminals want you to react immediately by replying with personal information without thinking. If you receive an e-mail requesting sensitive information, check its authenticity by contacting the company that appears to be the originator. Even if the e-mail links to a Web site that looks legitimate, contact the company that appears to have sent the e-mail.
To learn more about phishing, read the Federal Trade Commission report ... How Not to Get Hooked by a Phishing Scam
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