""It's gotten to the point where I don't trust any e-mail from any financial institution. If I get something that looks legit, I'll close the e-mail go to my account through my usual login link.""

Joe, no reputable company will ever ask for account login or password by E-Mail, and most won't even ask for ANY account details at all.

So you are taking the correct action. It's virtually certain that those E-Mails are scams.

Any E-Mail addressed to User or Client shows that the sender doesn't know your name. Very strange if you are actually a client.

E-Bay always uses your unique username, while Paypal always uses your real Christian name and Surname.

Don T.