Your BANK will NEVER ask for you to confirm ANYTHING via e-mail, this is a scam that has been going around for a long time, if they require you to confirm anything they will call you and ask for you to come into the bank.
Uhh, wrong. Banks like to profess that they are the ultimate in security but most of the time they are anything but.
I received an email from Wachovia about 18 months ago asking me to click a link and login to my Online Banking page to change my login credentials - claimed they were converting to a more secure authentication system. I forwarded the email to their fraud division and got a call from them. I asked for a number and called back after verifying the number. Lady there told me that it wasn’t a phish email; that the login upgrade was indeed real. I blasted here for such a security lapse, which she didn't understand, and followed up with snail mail letters to their corporate office and their Fraud division.
My wife - who was an assistant manager for them at the time - told me later what a stink I made! Special training, etc. and a revamping of their "online presence".
Sorry, but banks are basically stupid, simple animals who will violate any security parameter for the sake of cutting spending and making money!
My bank will NEVER email me about ANYTHING. Nor will they request info over the phone.
I can't even set up any sort of automatic bill payment through them unless I go there in person and fill out a bunch of forms authorizing a reoccurring payment, stating the name & address of company, specific amount to be paid and how often, and if the company tries to submit an amount that differs from what I put on that form, it gets rejected.
I once lost internet access because of this, right after a price increase, because I failed to go to the bank in person and file an update to the original authorization, with the new amount. They refused to pay the ISP one penny, and the ISP shut me off for nonpayment.
The bank doesn't even offer ATM cards, because they are worried about security...things like unauthorized use, lost or stolen cards, people being robbed at ATM machines, and something about 4 char PIN codes using only numbers 0-9 being too easy to crack. So, we can't have them.
But I love this bank. Yeah, they can be a little backwards where technology is concerned, but that can have some benefits. It's small, but run much different than your typical bank. It's not a big corporation owned by a bunch of tycoons and speculating stockholders. It's a very conservative community bank that is owned by its depositors, and we all have voting rights. (Yup, because I have money in there, I own a piece of that bank) It was set up after the stock market crash of 1929, by a bunch of people that wanted a more secure place to keep their money, after they nearly lost it all to the bigger banks that collapsed. Ever since then, every time there has been some sort of banking crisis, our bank hasn't really been affected by it. In fact, they always seem to come out even stronger. They never lost sight of their original mission of safety & security for your money and service to the local community. And that's why I have kept my money there for almost 30 years.