Normally, we frown on someone who attempts check fraud, but this would-be miscreant has some serious guts — or a complete lack of sense.

Payment fraud costs the average business $13,900 per incident. That’s chump change, according to Charles Ray Fuller of Crowley, TX.

Fuller was nabbed by police when he attempted to cash a personal check at a local bank. The kicker: It was for $360 billion dollars. He claimed it was given to him by his girlfriend’s mother so that he could start his own record business.

As if the amount wasn’t enough of a red flag, the check wasn’t even made out to Fuller. Following protocol, the bank employees contact the owner of the check, and — hold your breath — she hadn’t written a check for $360 billion. Never hurts to make sure.

Fuller was arrested on an accusation of forgery, and also faces charges of unlawful carrying of a weapon and possession of marijuana.

No word on whether or not Fuller and his girlfriend are still together or how his budding record business is panning out. We’ll keep you posted.

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Tags: Bank, Check fraud, Forgery, Payments, Record business