“Never respond to or click a link within any unsolicited email message from a financial institution — even your own — no matter how official it looks. …” Walt Mossberg
What Mossberg is advising is, that if it appears your bank has sent you an email and provides a link, DO NOT CLICK ON THAT LINK. It may be a fraud and you could be clicking on a link that takes you to a site that looks just like your financial institution but is not — and you will be giving away your ID and password.
If your financial institution notifies you about something, access the information directly from a web browser, not through the email link.