https://www.fisglobal.com/en/insights/merchant-solutions-worldpay/article/8-questions-answered-about-electronic-check-payments#:~:text=What%20kind%20of%20security%20is,consumer%20protections%2C%20with%20Regulation%20E.
So, no, he cant just use echeck.
So, no he cant just print his own checks.
Look, I worked bank fraud for now over a decade. neither of what you claim was by any way common. It simply didnt happy. Counterfeit cashiers checks- yes. Stealing CC #- common. Stealing back card info and PINs- also common.