Phone call: Hi [your name], this is your bank. I see some unusual activity on your account. I need to confirm this is you so can you please provide your card number so I can confirm it.
Recorded message: This message is an important reminder for [your name]. Recently, somebody attempted to change the password of your [company] account. A temporary PIN was provided. If you did not request this temporary PIN, please call us immediately at [number].
Email: After your last tax filing, we have determined that you are eligible to receive a tax refund of $180.00. To access your tax refund, use the following personalized link [fake link].