Oh brother...figures the scammers would find another angle to milk!
Banks, in my experience NEVER, EVER email you - or at least never about your account. Email is inherently insecure, so they don't use it.
Paypal never sends you an email addressed to "Paypal user" - if they send you an email, it's addressed to YOU by name and they don't ask you to log in to your account from a link in the email. EVER.
eBay - same thing.
In fact, no
business, financial or otherwise will send you an email asking you to verify your account by clicking on a link and entering personal info.