The only Paypal emails I ever click on are payments received, when I recognize the name of my customer.
Another scam I seem to get every now and again is from "the other site" telling me that my seller has started NPB process - usual for an expensive item, like designer handbag, latest phone, etc.
As far as financial institutions is concerned, I must have bank accounts/credit cards with most of them worldwide, including most of the major US, UK, European banks.