A user has brought an email to your attention that is not from his bank, but it looks like their bank's website when they click on the link. What is this most likely?

This is most likely a phishing attack aimed at the user. Spam would not have links to a bank website for login. Password cracking is the act of trying several different passwords in an attempt to gain access. A worm is malware that replicates itself and infects other systems.