What do you know about bank machines?

This fraud is usually done by one or more dishonest bank employees. They remove few DD leaves or DD books from stock and write them like a regular DD. Since they are insiders they know the coding, punching of a demand draft. These Demand drafts will be issued payable at distant town/city without debiting an account. Then it will be encashed at the payable branch. For the paying branch it is just another DD. This kind of frauds will come into light only when head office does the branch wise reconciliation, which normally will take 6 months. By that time money is looted.