A cyber event involves a data breach, whether it is a customer system (such as email, ID & password, etc.) that is compromised or a bank system that is compromised.
A customer using their own credentials to deposit fraudulent checks is not a cyber event.
A customer's mobile banking ID and password that is hacked and the fraudsters used the stolen credentials to submit fraudulent checks would be a cyber event.
_________________________
Sola Gratia, Sola Fides, Sola Scriptura, Solus Christus, Soli Deo Gloria!
www.tcaregs.com