Please beware of dangers associated even with TEXT message scams.  There are false messages being randomly sent to smartphones, where following instructions can disclose sensitive information leading to identity theft or even fraud.  In this case, an urgent response to your bank may even appear to be legitimate as described below. 

A fake text message is being circulated as  “xxxxxx Bank – Urgent Notification.  Please Contact HelpDesk @ xxx-xxx-xxxx”.  Users who call will be prompted by an automated system replied “your account is locked for security reasons.  Please press 1 and complete the whole process to secure your account”.   Next it asks for your social security number.   Users should avoid these type of calls.