The single biggest tipoff that it's a scam (phishing, it's called)- it DOESN'T ADDRESS YOU BY NAME. These scams have been going on long enough that no responsible financial institution would EVER contact you in this fashion. And the fact that it doesn't refer to you by your actual name is just proof that all they have is an EMail address, usually one of a block of several hundred or thousands they've either bought, harvested, or auto-generated themselves in hopes that a few would be gullible and anxious enough to fall for it. Despite the risk of being accused of launching a personal attack in the forums, I have to honestly say that these are the work possibly the most despicable irresponsible predatory scum at large on the internet. . . . just my own 2 cents worth, opposing opinions will be dismissed or derided . . . G