I thought I'd put this one because it looks pretty good. That is, it really looks like the bank talking to you. Thought a bank is very unlikely going to send you an email which is just one single image and of course event less an email which asks you for all your personal information since they already have them.

Since this is an image, it is easy for it to show a correct URL. Of course, it would send you to another server, not the bank's.

Of course, since I live in California and the bank does not opperate here, I don't have an account with them anyway...

Note: I added the red border so you can easilly see the edge of the image.