On October 6, 2025, the Blaine Police Department responded to Al's Check Cashing, "Victim" herein, located at 1434 93rd Ln NE, city of Blaine, county of Anoka, on a report of check fraud. K. M. D, a Victim employee, reported that CRAIG MICHAEL MUGNAI [DOB REDACTED], "Defendant" herein, had cashed a check payable from JND Holdings in the amount of $1,727.85 on September 19th, 2025, and received $1,640.96 in cash after fees. The check was subsequently returned by Old National Bank as the check had already been deposited electronically.
Defendant presented his MN driver's license and was recorded on surveillance video during the transaction at Victim. Law enforcement spoke with Defendant who denied mobile depositing the check and said he would provide his banking records to show that it was not deposited into his account. Defendant never provided such documentation to law enforcement. Law enforcement obtained Defendant's account records which showed that the JND Holdings check was mobile deposited into Defendant's checking account two days prior to Defendant cashing the check at Victim.
Law enforcement received a copy of the check which matched the check cashed at Victim. Account records also showed that Defendant had previously used the mobile deposit feature in his checking account, including another deposit that same day.
