"I was cheating time, is what iwasdon it's sometimes called circular kitin and you can't do it that easily any more. Banks have changed the way they oper checks are now cleared with electronic imaging," says Neil white. "The federal government sentences you based on how much in bank fraud anyway, how much a financial institution lost", he adds. He surrendered at a minimum security prison in carisville, louisville, 19 minutes from his home.