I live in TX and have a question. Last year I had a account with a wireless phone company money got tight and the bill came due. So I went online and submitted a ach payment , the routing number was correct , but the account number was fake about 12 digits long random numbers. Of course it was returned for the reason account not found incorrect account information , meaning no money was removed from anyones account cause the account did not exist , it just gave me about a week extension on my bill. Well the phone company investigated the return payment (no police or complaint from the bank) and labeled it as a fraudulent payment (the amount was under 250). They said they are not prosecuting , but if they decided to what kind of charges could I face , and what type of fines or jail time would I be looking at?