I read these accounts of scams and I can’t imagine any legitimate scenario where I could possibly expect a call from a bank about any of my accounts - checking,

I read these accounts of scams and I can’t imagine any legitimate scenario where I could possibly expect a call from a bank about any of my accounts - checking, savings, brokerage, CC, mortgage. With everything available online, there is no reason to step into a branch or have an ongoing phone ‘relationship’ with a bank. I can’t remember the last time a financial institution called me about an account. Even credit cards have moved away from fraud check calls to simple and foolproof yes/no verification messaging. Outside of non-specific marketing and upsell calls, any call I get out of the blue can only be a scam.