These types of emails are almost always fakes, and the links they contain almost always lead to phony Web sites run by criminals. The only exception might be a confirmation email from a brokerage firm concerning a trade you know you made minutes before. Even legitimate-looking addresses in emails or in the address bar of Web browsers can be fakes that hide the crooks’ true Web addresses. The lock icon on a Web site can also be falsified.

If you are truly worried about your account, call the bank or company, or go to its Web site by manually typing in its address or by using a well-established bookmark in your browser that you created yourself

Never, ever click on a link embedded in an email that appears to come from a financial institution, even if it’s your own bank or brokerage and even if it looks official right down to the logo. The same goes for payment or auction services, like PayPal or eBay. Don’t do this even if the email asserts that your account has a problem, or that the bank has to verify your information. And certainly don’t enter any passwords, Social Security numbers or account numbers directly in an email.

These types of emails are almost always fakes, and the links they contain almost always lead to phony Web sites run by criminals. The only exception might be a confirmation email from a brokerage firm concerning a trade you know you made minutes before. Even legitimate-looking addresses in emails or in the address bar of Web browsers can be fakes that hide the crooks’ true Web addresses. The lock icon on a Web site can also be falsified.

If you are truly worried about your account, call the bank or company, or go to its Web site by manually typing in its address or by using a well-established bookmark in your browser that you created yourself.