I am an old hand in electronic communiations. I can immediately tell when an e-mail is malicious, fraudulent or plain nonsense.
Many fraudulent e-mails appear genuine and can fool recipients.
An easy trick to tell if an e-mail is from the promised sender is click on the contact and see the e-mail address it comes from. If it pretends to be from a bank but the e-mail address is obviously different from the bank’s domain, delete the whole thing and if you have the time (recommended) inform the institution the e-mail pretends to come from.
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