The latter examples are called phishing because they are fishing for your login credentials of your bank account. These have been around for quite some time now and most banksites warn you for these messages. They have become more and more convincing, but 9 times out of 10 they are from the wrong bank anyway.

As a rule, no bank will mail you for this kind of important information but they will send out a letter. It is the same for so called bank software updates or Microsoft updates through email, it is just not done that way. Unless you call your support desk from the bank and you ask them to mail it of course.

Paypal has had a lot to do with these phishing attempts, and should you get a suspicious email from paypal about disabled account and click here to reactivate, forward these mails to abuse@paypal.com. They will let you know the outcome and will take steps to eliminate the phishing websites.