Most reputable online operators nowadays provide a 'mailbox' with your account, eg your bank or eBay or Paypal will have an Inbox after you login. Trust only those messages in there, and even then only if you have logged in by going to their site, NOT following a link in an email. The only emails you should consider genuine are those that are in response to something you did eg bidding on an item or whatever. Any email asking you to confirm details or update details or whatever should be deleted. When uncertain, login and check there. I delete all emails asking me anything as a matter of course. The only emails I ever click a link in are those from eBay telling me about an auction or whatever, and even that is a dumb thing to do. My suggestion - NEVER click on a link in any email no matter how trusted.