Why do people click on the link without checking. Phishing emails usually create fear of financial loss by:
1. Threatens to close or suspend your accounts if you do not respond. Penalty charges to reopen account.
2. Claims that your account has been compromised or that there has been fraudulent activity on your account.
3. Unauthorized changes to your account.
4. Claiming bank has lost important security information and needs your info to verify your account. Unable to do so will result in loss of account.