In the UK there is nothing to say a cheque actually has to be a properly formatted cheque issued by the bank - it can be wrote on the back of an envelope if the person feels like it, as long as the wording is correct (can't remember what it is though). I remember reading some thing about it years ago in the local paper - a guy got messed around by the bank one day so started writing cheques on eggs or something, eventually the bank started accidentally dropping the eggs and they guy got a real cheque book.

Will try and find if it is on-line somewhere.


But scanning a fraudulent cheque, or taking a fraudulent cheque into the bank....what the difference, the bank still lands up with a fraudulent cheque, one just takes longer to get there..