There is a new scam that is targeting your bank accounts and using your cell phone to access them. They send you text messages that claim your account is frozen and they give you a number to call to correct the problem. Don't call the number and don't keep private financial information on your phone. Here is a link to the article.
http://austin.bbb.org/article/avoid-being-smished-by-scammers-30634 . Just like your email, don't respond to messages claiming to be your bank. If you think the message might be real, contact the bank by their PUBLISHED phone number. Remember, your bank won't contact you in this manner. Don't be a victim.
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