GUSTINE – A local woman is facing federal charges stemming from an alleged bank fraud scheme.

According to court documents, 38-year-old Idalina Maria Toste has been indicted on four counts of bank fraud, four counts of aggravated identity theft and four counts of misuse of a Social Security number. All are felony charges.

Toste is also known as Maria Franco, Idalina Franco and Maria Toste, court filings indicate.

The complaint filed against Toste alleges that she used Social Security numbers  other than her own to open four checking accounts between July 2 and Oct. 19, 2007, and used those accounts for fraudulent purposes. The case includes allegations that Toste wrote bad checks from two of the accounts to deposit funds to the others, court documents indicate.

According to the complaint, two Golden 1 Credit Union accounts suffered losses of $5,628 and $10,173.

The other two accounts in question were opened at Farmers and Merchants Bank and Washington Mutual Bank.

Federal prosecutor Michelle Rodriguez said Toste appeared in federal magistrate court Feb. 12 for a bail hearing and arraignment. She said Toste was denied bail, and remains in custody in Sacramento.

Rodriguez said Toste is scheduled to appear in court March 19 for a status hearing in the case.