I have had a few bank phishing emails. For the purposes of this post, I was about to cut and paste some text from the last one, but then I realised it the whole thing was an active link, not just the url at the bottom of the email.
I went to the National Australia Bank email site and superficially, it looked convincing. I entered some fake detail of bank account and the next page I had to confirm my address and name etc. I put in more fake info. Then I clicked the 'finish' button and I was then taken to the real National Australia Bank home page. Very convincing.
I don't have much sympathy for people caught out by the so called 'Nigerian' type scams, and it would seem many are, but I do for some new to the net people caught out by bank phishing.