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Can you spot these common phishing scams?

You receive an email from your bank claiming your account is on hold due to a billing problem and asking you to click a link to update payment details. What is the safest next step? 🏦
Difficulty: Easy
An 'executive' sends an urgent, unexpected email asking you to bypass standard procedures to process a wire transfer. Which red flag is most indicative of this being a scam? 💼
Difficulty: Medium
You receive a text message from an unknown number claiming there is suspicious activity on your account and providing a link to 'verify' your identity. What is the best way to handle this? 📱
Difficulty: Hard