Smishing is the name given to text messages that lure you into clicking on links or providing personal information in response to a text message from what appears to be a trusted source, such as a company with which you do business, such as your bank. Recently there have been a number of smishing scams in which the messages appear to be from the bank Sun Trust. In some of the recent Sun Trust smishing scams you are prompted to respond to a feigned emergency by providing personal information such as your account number. If you provide this or other personal information, it is used by the scammers to make you a victim of identity theft. In other smishing scams, you are told to call a telephone number that is a toll number with charges as much as $19 per minute. Often you are put on hold for long periods of time to increase the charges.
Your bank is not going to contact you by a text message if there is a problem with your account. More importantly, as I have warned you many times, you can never be sure who really is sending you an email, text message or phone call and should never provide personal information in response to such communications. If you think that there is a possibility that the contact may be legitimate, you should call the real company at a telephone number that you are sure is legitimate to learn whether or not the original communication with you was a scam.