Pennsylvania State Police are warning people about using payment apps on their phones as scammers have now figured out a way to use them to trick you out of your money.  Officials say you might get a text that appears to be coming from your bank or a call from someone pretending to be your banker. Each method details a list of supposedly fraudulent charges from people who’ve used phone apps. State police says it’s best to hang up and initiate a call yourself if you have any doubts about transactions. They also say Payment apps usually protect you against unauthorized transactions, but not necessarily against other fraud.