By Cameron Huddleston, Former Online Editor October 29, 2009 If you get an e-mail claiming to be from the Federal Deposit Insurance Corporation (FDIC) telling you that your bank has failed and asking you to download a personal FDIC insurance file, it's a scam.According to a special alert from the FDIC, the subject line of the e-mail includes "check your Bank Deposit Insurance Coverage." The e-mail states: "You have received this message because you are a holder of a FDIC-insured bank account. Recently FDIC has officially named the bank you have opened your account with as a failed bank, thus, taking control of its assets." It also directs recipients to click on a link that supposedly goes to the FDIC site but really goes to a fraudulent site. The recession sparked several schemes to watch for, including mortgage-relief and job-search scams. See Scams Exploit Hard Times and Scams Ripped From Today's Headlines. Also take our quiz, Is This a Scam?