Got the same message at 1:30am.  Saw a report of ABC15 News in Phoenix so new it was a scam.  Although my text message was the same as the ones above, the one on the news report was slightly different and not the same "account".  Still I had to check my accounts just to make sure I did not have one starting with 4039.  I agree, no bank would text you and they would not use the first 4 digits.

Did not call the number but looked it up and it was identified as a land line in Nogales, AZ.

We need to get the word out to all the unsuspecting victims not to fall for these scams.