What term is used to describe unauthorized checking account manipulation for personal gain?

The term that accurately describes unauthorized checking account manipulation for personal gain is check tampering. This involves altering or modifying a check or any aspect of the check processing to gain unauthorized benefits, such as changing the amount on a check or the payee's name.

Fraudulent transfer is related to the illegal transfer of assets, often used in the context of avoiding creditors and does not specifically pertain to checks or bank accounts. Check forgery involves creating a fake check or signing someone else's name on a check without their permission, which is a different type of fraudulent activity. Check modification is not a recognized legal term that specifically captures the essence of manipulation for personal gain as it may suggest permissible changes rather than unauthorized actions.

Understanding the distinction among these terms is essential in law enforcement, as it helps in identifying and prosecuting various forms of financial crime accurately.