With dealing with my Mom's check fraud, I have determined the big national banks (Bank of America) do not check the images for checks deposited by mobile (and highly likely ATM). You can write over the amount in a comically obvious fashion. You can put X for the victims signature (not checked). You can paste a copy of the victims signature with visible tear marks at weird angles and locations on the checks (waste of time due to the above). Passes right through their "advanced" AI fraud image checking system. You can complain that check processing has been crapified, but the regulatory bodies (e.g. OCC) don't care as they have been regulatory captured. You might try complaining to your state's Attorney General, but in my case they passed the buck to the state's US Senators. Who won't do anything because they (or members of their party) are owned by the banks. Thus, I am now totally cynical about bank security (and the US government) when they can make their customers eat the losses due to their political power.