The biggest deterrent is probably the criminal check fraud charge you would face. Most banks also have additional counter-measures in place to detect this type

The biggest deterrent is probably the criminal check fraud charge you would face. Most banks also have additional counter-measures in place to detect this type of fraud too, but you are right, it is a concern: http://www.americanbanker.com/btn/22_3/-374033-1.html http://www.americanbanker.com/btn/22_3/-374033-1.html