Washington Mutual and Huntington bank what's the deal with these scam emails?

Factual Questions
1

I keep getting emails (Daily) (Stated below) Now, I am not a subscriber or member of any of these banks/companies in any ways… what is the deal with this scam? Why do I keep receiving these? How can I make them stop!?

Dear Washington Mutual customer,

We recently reviewed your account, and suspect that your Washington Mutual Internet Banking accountmay have been
accessed by an unauthorized third party.
Protecting the security of your account and of the Washington Mutual network is our primary concern. Therefore, as a
preventative measure, we have temporarily limited access to sensitive account features.

To restore your account access, please take the following steps to ensure that your account has not been compromised:

  1. Login to your Washington Mutual Internet Banking account. In case you are not enrolled for Internet Banking, you will
    have to fill in all the required information, including your name and you account number.

  2. Review your recent account history for any unauthorized withdrawals or deposits, and check you account profile to
    make sure not changes have been made. If any unauthorized activity has taken place on your account, report this to
    Washington Mutual staff immediately.

To get started, please click the link below:

We apologize for any inconvenience this may cause, and appreciate your assistance in helping us maintain the integrity of
the entire Washington Mutual system. Thank you for attention to this matter.

Sincerely,

The Washington Mutual Team

as well as

Dear Huntington Client,

   To provide our customers the most effective and secure online
   access to their accounts, we are continually upgrading our online
   services. As we add new features and enhancements to our service,
   there are certain browsers versions which will not support these
   system upgrades. As many customers already know, Microsoft
   Internet Explorer has significant 'holes' or vulnerabilities that virus
   creators can easily take advantage of .

   In order to further protect your account, we have introduced some
   new important security standards and browsers requirements.
   Huntington security systems require that you test your browser now
   to see if meets the requirements to Huntington Online Banking. 

   Pleas follow this link in order to verify security update installation.
   

   This security update will be effective immediately . In the meantime
   some of the Internet Banking services may not be available.
2

It’s called “phishing.” Scammers send out millions of these fake messages, with links to their fake bank login pages, hoping to lure some credulous fool into giving them a valid username and password. Delete these without opening, or forward them to the bank’s fraud dept.

3

You can’t. These are standard “phishing” scams in which an official-looking message is sent out to numerous e-mail accounts in the hopes that:
[ul][li]The recipients actually have accounts with the named company, and[/li][li]They’re dumb/naive/inexperienced enough to click on the link, which will send them to an official-looking login page. Once they ewnter their account info and password, they’ll get a message claiming the server is down, or something. In reality, the website is not affiliated with the comapny at all, and the information has been stored for later use, with an eye on accessing and emptying your account.[/ul][/li]
Since the cost of setting up a fake login site and mailing a message to millions of people is slight, all it takes is a handful of suckers to make the scheme pay off. The best thing you can do is delete the message upon arrival, or set up filters to block it, or even report it to your local FBI office.

A legitimate banking organization would not operate in this manner. If there was a problem with your account, they’d inform you by regular mail.