Originally Posted by Sus2009ie
You can change your options to deny IM access to anyone, or at the very least, restrict who can contact you --- many people restrict access to those names already in their personal phonebook. But in regard to emails, unfortunately, there's not much else you can do. Some of these emails are just sent by guys (or gals) wanting a connection. . . with anybody (usually for sex, but could be anything), and others are generic invitations and solicitation emails that go out to many thousands of people, not just you. You have to think of them as a kind of spam. Chances are you're not being targeted 'personally,' but these kinds of emails are being sent to tons of women in your demographic.
And the emails seeking your banking information are most likely the kind of scam emails that are generically referred to as the "advanced payment frauds" or the "Nigerian 419 Fraud Scams," where someone sends you an email with some made-up story about someone having money that can be made available to you, and all you have to do is... blah blah blah. (One of the options is to provide you banking information --- others are different.)
I've gotten lots of these, and when I got my first one, years ago, I thought it was real --- and frankly, was disappointed when it wasn't. Now it's become pretty commonplace, and I've since learned that the best advice is not to respond at all, because then they know they have reached a live email address. You can certainly report them to various scam/fraud monitoring agencies -- although, honestly, I don't know how much good that actually does.
And if you want to commiserate with other fraud or scam victims you can go to some of the forums that are available. A particularly complete one is Quatloos: Quatloos! • Index page