I am amazed that I get so much spam that are fake notes from financial institutions. As I use Thunderbird -with text only I immediately see that the links to banks are fake. In HTML these notes would look fair dinkum. I get notes from all manner of "fake" banks - and also PayPal and eBay. None from the company themselves.
Now this excellent article tells me that people do respond to these emails.
Is internet banking safe? - Security - Technology - smh.com.au
Do have a read some helpful stuff re online banking.
Then other ways of getting your VITAL details - at sites like Facebook
BBC NEWS | Technology | Cyber thieves target social sites
And beware pages that want your password in Facebook - check URL is still facebook
Phishing For Facebook
Oh and if a note I trust arrives in TB and I want to see in html I have installed the addon
ShowHTML and one click and all looks good.