Legitimate Checks that are forged with the account holder's signature, as the payer, that results in a debit to your checking account.
FORGED ENDORSEMENTS
Legitimate checks that are endorsed and cashed or deposited by someone other than the designated payee, based upon a fraudulent and false endorsement. EZ Shield Check Fraud Protection does not apply to a check that bears a legitimate original endorsement that is secondarily fraudulently endorsed.
ALTERED CHECKS
Legitimate checks that contain altered information such as the payee identification, check amount, or that are otherwise altered to benefit the party altering the check