What behavior qualifies as deposit account fraud?

Deposit account fraud is typically defined as the act of using a checking or savings account to make financial transactions that are unauthorized or intended to defraud the financial institution. Intentionally bouncing a check falls under this definition because it involves writing a check that the account holder knows will not be honored due to insufficient funds, with the intention of deceiving the payee or bank.

This behavior clearly demonstrates fraudulent intent, as the person writing the check is aware that they lack the necessary funds to cover the amount, yet they proceed with issuing the check as though there are sufficient funds. This action can lead to various consequences, such as penalties, legal action by the bank, and potential charges of fraud.

Other behaviors presented in the options do not classify as deposit account fraud to the same degree. For example, intentionally overdrawing a bank account might not always indicate fraudulent intent, as individuals often have agreements with their bank regarding overdraft protection. Using someone else's credit card without permission is a distinct form of fraud known as credit card fraud, and failing to pay bank fees typically falls under civil issues regarding account maintenance rather than criminal fraud.