It depends on where you live. In my country I would never take a call from a bank at face value and would always expect they give me a phone number to call back, and that better be an institutional number. Phone fraud is rampant.
Ha, last winter I lost my phone while snowboarding in the last 300-500m before mountain base. I noticed because I was listening to music with my airpods when I got to the bottom the music had gone silent. Thankfully I had my Apple watch with me, so I immediately got off the board and start running uphill while incessantly spamming the "ping my phone" button. At some point I saw in the watch screen it briefly connected and then immediately disconnected again. I realized somebody had probably grabbed it and skied by me. I went back running to the chairlift while still spamming the button and finally found the person who had grabbed it, a few seconds before he got into the chairlift. I felt that day that the watch investment had been worth it hah.