Things to watch out for phishing
->a real site will never scare you into providing usernames or passwords.

->check out for the suspicious url's.

->spelling mistakes on the web pages.

->ssl icon should appear on the browser not on the webpage

and a page shuld use https instead of http

->one more extended way to avoid hooked by phishing sites.it is called Extended Validation(EV)SSl.a site secured with EV SSL turns the address bar turns green to help you immediately identify that the site is genuine.

referred to http://www.phish-no-phish.com/