About fifteen years ago somebody wrote and cashed a $1,000 check against my checking account, using a bogus photo ID.
After subjecting me to twenty questions, the bank reimbursed me for it.
I suspect, although I do not know for certain, that the perp was (either directly or indirectly) one of the two guys that I had hired a few months earlier to do some bathroom tile installation work for me - that was the only non-routine payment by check that I can recall having made around that timeframe.
My guess is that there must be (or at least must have been) a huge organized effort by low-life criminals to defraud banks and/or checking account holders in that fashion. I've wondered whether the perp was freelancing and simply bought a bogus credit union ID from a forger, or whether there was a deal where they split the money with the forger in return for the bogus ID.
Either way, I'm more careful about paying for stuff with a check now... (but still, there could be part-time criminals working for smaller businesses such as oil companies, plumbers, contractors, and the like who might have access to personal checks sent in the mail to pay those bills, and who might get "finder's fees" from organized criminal enterprises in return for photocopying a few checks now and then - there are a lot of scumbags out there)