Fraudsters have altered checks to change the name (in order to deposit checks intended for payment to someone else) or the amount on the face of checks, simple altering can change $100.00 into $100,000.00, although transactions of this value are subject to investigation as a precaution to prevent fraud as policy.

Instead of tampering with a real checks, fraudsters may alternatively attempt to forge a depositor’s signature on a blank checks or even print their own checks drawn on accounts owned by others, non-existent accounts, etc. They would subsequently cash the fraudulent checks through another bank and withdraw the money before the banks realize that the checks was a fraud.