An e-mail might come to your inbox with the subject “Expiration of draft”. Apparently, a company owned you some money from a recent transaction and they tried to send it to you, but you didn’t accept it in time – this way, if you still want your money, you have to claim it “now” by providing your bank account detail.
How to avoid: don’t believe it. If you still have doubts, call the company itself and confirm with them you really are the recipient: if you are, ask them to send you a check.