john g vowell and his wife now deceased had a checking account and a savings money market account with mercantile bank of arkansas in june 1997 dr
They took precautions by hiding Mrs. Vowell’s purse, which contained their checkbook, under the kitchen sink. Beginning in June 1997, Suzan forged Mrs. Vowell’s signature on 42 checks, drawn on both accounts, and committed nine unauthorized ATM withdrawals in the aggregate amount of $12,028.75. Suzan found her mother’s purse hidden under the kitchen sink and stole the checkbooks and ATM card from the purse. She apparently had access to the personal identification number (PIN) for the accounts because the number was identical to the home security system code. The Vowells received the following statements from the bank for the checking and savings accounts:
