Simple solution for tech savvy users. All system prompts should include a photo of a user selected image. If the incorrect image is displayed you know its a scam. For example when I install Windows 8 or Mountain lion one of the first prompts I must address is: "Please choose an image to help you identify valid system prompts" The user is then presented 10 images (a tiger, a house, a moose, etc) from a library of 10,0…
My bank used to do this, and I never quite understood why. An attacker could easily mimic the site's behavior. 1. Attacker prompts me (or my grandmother) for login name. 2. Attacker gives login name to bank. 3. Bank serves proper image to attacker. Attacker stores image. 4. Profit.
The parent poster suggested that all system messages have the security message. The user is not prompted for some sort of id first, they're already using the computer and are presumed to be logged in.
This is the right way to use security images, IMO, although they're still not perfect as others in the thread have pointed out. The way you describe, which I believe BoA uses (just hearsay), is bad security.