I received this message in my junk email. So, obviously something isn't right about it to start with. The following is the break down of the major parts of the message I received.

Here is the subject of this scam email:

This email was supposedly sent by:

Here is the body of the email:

[More:]

BANK OF AMERICA CORPORATION NOTICE:

New business account features "Bank of America Mul-t-Lock" will be available after February 28, 2009.
Bank of America provides it's clients with a Demo Account to learn how to use new account interface.
Special offer for present users - new Mul-t-Lock account FREE!

Proceed to the Bank of America new Mul-t-Lock features demo page:

h__p://sitekey.bankofamerica.permissions.signonscreen-uee0rts5y.disbursements.screensecuritypatch.com/[ -- more -- ]

Sincerely, Lottie Giles.
2009 Bank of America Corporation customer service department.

If you receive an email like this, don't respond to it, or follow any links. JUST DELETE IT
Dave