What is the first step in the process of check fraud?

The process of check fraud typically begins with creating counterfeit checks. This step is crucial because it involves producing a check that visually resembles a legitimate one but is not authorized by the true account holder. This counterfeit aspect allows the perpetrator to present the check to an unsuspecting individual or institution, intending to deceive them into believing it is genuine.

While forging signatures and other actions like using false identification or abstracting funds might be involved in later stages of check fraud, they are not foundational steps. The creation of counterfeit checks sets the whole process into motion, as without this initial act, the subsequent actions would not be possible. Thus, understanding the creation of counterfeit checks is critical in recognizing and preventing check fraud, as it highlights the methods fraudsters use to initiate their schemes.