What is this scam related to truist bank for 20k?

Im of the opinion that anybody who uses the phrase "tap in" is probably a scammer of some sort.

It said something about a 20k loan with low credit. Could simply be phishing but if someone is so broke and doing bad that they try this then what good is their bank info? The scammer would be lucky if it's not in the negative and if they try to cash a bad check the bank will probably make them wait bc it's an awful bank. I knew ppl who would let scammers deposit bad checks then transfer the money and as soon as that happened the owner reported card stolen. It fd up their bank account, usually got it closed but they didnt go to jail. I dont remember how it exactly worked bc i avoid that stuff but i knew a few desperate broke ppl who got a few grand this way and lost their bank account but didnt get in legal trouble.

There's all kinds of phishing texts going out to truist members lately to steal their banking info and drain their account and truist won't replace the money. I figure only extremely broke ppl would attempt this though. It says sign up bonus but in another part it said a loan. Also they say they have weed for sale. You can even find people on this app who claim they'll deliver weed. They probably want you to prepay then never deliver bc if they take cash on delivery they're going to drive themselves to the cops to be arrested eventually since weeds illegal here which is absolutely idiotic.

I even had my old gas sketchy little cousin message me asking if I know ppl with truist accounts so there's Def some kind of scam going on. Probably some issue due to it being recently formed.