Watch what happens online too. Last week my dh got an e-mail that looked like it was from Bank of America. First of all out computer caught it under a fraud page. It said our account was now on line and that we should enter our account info. We have been banking online for a number of years. Bank of america also has something called sitekey which was not on this page. We reported it to Bank of America. Also the address at the top had the person name. So be carefull.