I got this email last week and it was too good not to share. It's a phishing scam. But unlike previous ones, it's not that obvious. It's looks eerily like official Bank Of America communication. And clicking the link in the email takes you to a bank that (aside from the URL) looks very very similar to BoA's site.
The good news is that a few hours after I got the email (and report it to Google via FireFox), the site was blacklisted. After that, FireFox absolutely refuses to load the fake site while IE displayed a strong warning.
Still, makes you wonder what a senior citizen would have done?