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Bank email scams are becoming increasingly sophisticated and very common. How about this one? “Dear Customer. Your access will expire soon. For security reasons, please use our website below to restore your account.” The website address often looks legitimate, but one giveaway is if you hover your cursor over the address (don't click it), the actual address it wants you to go to will show up – it's likely to be nothing to do with the bank.  Anyway, banks never send these types of emails.