Cyber criminals now have a wealth of information on almost all of us. With so many hacked organizations now a days, cyber criminals simply purchase databases with personal information on millions of people, then use that information to customize their attacks, making them far more realistic. Just because an urgent email has your home address, phone number or birth date in it does not mean it is legitimate.
Companies you do business with should never ask for your account information, credit card numbers or password in an email. If you have any questions about an email you receive that supposedly came from your financial institution or service provider, find their number on their website and call them.