Gone phishing
I would have thought that it is common sense never to trust any email that asks you to go to your bank's website and enter your details. If in doubt, report the email to your bank asking to confirm its legitimacy.
And as the average email inbox, unless protected with anti-spam filters, can receive dozen of such emails a week from different financial institutions who randomly target users–does this not make people suspicious?
Apparently not, as one in 20 online users admit to having fallen for internet scams.
Sometimes it's as simple as checking the URL. If your bank's website is located at http://freeweb.cz/freeusers/yourbank/index.html?user=gullible_twit, you know where you stand.