Phishing Scam Example Below.....

(I got it today in my e-mail...I x'd out the link for safety.)

Dear Citibank Member,

This email was sent by the Citibank server to verify your E-mail
address. You must complete this process by clicking on the link
below and entering in the small window your Citibank ATM/Debit
Card number and PIN that you use on ATM.

This is done for your protection - because some of our members
no longer have access to their email addresses and we must
verify it.

To verify your E-mail address and access your bank account,
click on the link below:

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Thank you for using Citibank