According to a recent report by the security company, Barracuda, scammers are emailing what appear to be secure messages from your bank that require you to download what appear to be important secure documents, but in truth are malware programs such as ransomware.  The messages appear to come from different banks such as Bank of America or, in the case of the email message copied below, TD Bank.

In many instances, the people being targeted by these emails may be people using the private bank services of many banks reserved for wealthier customers, who may be more susceptible to downloading the attachments under the false impression that they are secure.
You can never be sure when you receive an email who is really sending it.  These particular phishing emails are quite sophisticated with real looking logos (which are easy to counterfeit) legitimate appearing email addresses that appear to be sending the emails and the message is well written with proper grammar.  But as I always warn you, “trust me, you can’t trust anyone.”  Along with making sure that you have installed the most updated version of your security software, you should never click on a link or download an attachment until you have independently confirmed that the message sending it is legitimate.  In this case, a simple phone call to your bank would let you know that this is a scam.