MOORHEAD, Minn. — A 61-year-old woman has been charged with identity theft after allegedly using a stolen identity to fraudulently withdraw $34,000 from two American Federal Bank locations in November 2023.
Ginger Lorrine Lemons had a warrant issued for her arrest on December 18, 2024, and it was served on November 21, 2025. She faces identity theft charges, a felony punishable by up to 10 years in prison and a $20,000 fine.
According to court documents, Lemons visited the Fargo bank branch on November 29, 2023, at 11:55 a.m., presenting herself as a customer using a passport card. She withdrew $7,450 and requested a cashier’s check for $9,800 made out to “I.W.”
About 30 minutes later, Lemons went to the Moorhead branch, again identifying herself as the same customer using a Minnesota ID and passport card. She withdrew $7,000 and requested a second cashier’s check for $9,750, also made out to “I.W.”
A man identifying himself as “I.W.” later cashed both checks: the first at the Moorhead branch for $9,800 and the second at the Fargo branch for $9,750. Bank employees contacted the real customer, who confirmed she had not visited the banks and was unaware of the transactions.
Investigators determined that the passport card Lemons used belonged to a male and was fraudulent. The man who cashed the checks was identified as using a false California ID. A U.S. State Department Special Agent connected Lemons to the fraud, and her appearance matched booking photos from prior arrests.
Lemons is scheduled for her first appearance in Clay County Court on November 21.
