The other day, I received an e-mail purporting to be from my bank that I suspected, but was not certain, was spam.

I’m relieved, now that I’ve received exactly the same message at another e-mail account, one that my bank would not have on file.

I’m usually pretty good at spotting spam, and I would have called the bank directly rather than respond to the e-mail — much less click any of its links. But I can see how people fall for this kind of thing sometimes. Not all of it is obvious.