For the second question, the number you dial is routed by your phone provider, who you trust to send it to the intended number at your bank, not the scammer. The scammer has no power to route that phone call as he doesn’t control the phone routing system, only the caller ID info he sends on his phone call to you.
However if he tells you “call me back at this number” then you’re not calling your bank but his scam number. Your phone company has no idea that your intent to call the bank, only intent to call the number.
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