Yes, this Phishing is getting to be a real problem.
I don't find it a problem, for the most part it is sent to multiple recipients (using the bcc address), not individually to you. So examine the To: address was it sent directly to you and not multiple recipients.
It is possible to set up an email filter to move email not sent directly to you (your email in the To: field) and chose the action to take. Be careful you don't delete email from genuine sources.
I also use MailWasher's Origins of Spam tool and that catches much of this as the origin in the email (suposidly your bank) is faked and likely to be identified as such.
But as in most things common sence is a strong protection.