"they'll get into legal trouble" They may get into legal trouble. My mom had her checkbook stolen that was in her luggage and the person used the checking acco

"they'll get into legal trouble" They may get into legal trouble. My mom had her checkbook stolen that was in her luggage and the person used the checking account to pay for an electricity bill. She reported it to the police, but they had more important things to spend time on. When you can use someones else's checking account number to pay for a utility at a fixed location, you probably aren't worried about legal trouble when you are doing it.