...

You will need to come into the branch and do it there.

If you do follow links and get stung then we'll treat it along the same lines as "so you met this guy in a pub and he said 'can I borrow your ATM card and pin number for ten minutes'.....".

You can't compare a Phising site to that. The user doesn't know they are entering details into a trojaned website. Phising is no different to putting a skimmer and camera onto an ATM machine and stealing the card details and pin numbers.