The FDIC wants you to know it’s not writing you.

The agency that insures bank deposits warns that someone is sending out e-mails that appear to be from the FDIC asking people to check their insurance coverage. The subject line on the fake e-mails include the phrase “check your Bank Deposit Insurance Coverage.”

The e-mail goes on to say that, “You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets.”

Recipients then are directed to visit the FDIC site by clicking on the link provided.

The real FDIC says, “It is believed that clicking on the hyperlinks will cause an unknown executable file to be downloaded. While the FDIC is working with the United States Computer Emergency Readiness Team (US-CERT) to determine the exact effects of the executable file, recipients should consider the intent of the software as a malicious attempt to collect personal or confidential information, some of which may be used to gain unauthorized access to online banking services or to conduct identity theft. Financial institutions and consumers should NOT access the Web site or download the executable files provided on the Web site.”