I got this email earlier today, question marks included.

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Dear Sir/Madam,

Bank of America (BOA) always looks forward for the high security of our clients. Some customers have been receiving an email claiming to be from BOA advising them to follow a link to what appear to be a BOA web site, where they are prompted to enter their personal Online Banking details. Bank of America is in no way involved with this email and the web site does not belong to us.

Bank of America is proud to announce about their new updated secure system. We updated our new SSL servers to give our customers a better, fast and secure online banking service.

Due to the recent update of the servers, you are requested to please update your account info at http://www.bankofamerica.com/onlineid-sessionload/cgi-bin/login

J. S. Smith
Customer Support,? Bank of America

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Of course, the URL is actually a hyperlink to a completely different website, and the actual URL doesn't exist...I don't even use Bank of America. Sadly, I'm sure some people will fall for this despite the fact that it gives itself away.