I would disagree with a couple they score as legitimate - even their explanations still show that the information isn't reliably from the sender, nor usual communication from the sending organization.
In every case, my recommendation to staff and our customers, is to NEVER click links in email. ALWAYS either use a bookmark (that you created by typing in the site originally), or type in the web address. Same with phone numbers - if you don't already know the number, look it up in the phone book (or internet directory).
If there is a problem with your account, your will not get an email, you will get a phone call.