Here's a breakdown of the terminology:
* Check forgers: This term usually implies a more deliberate and criminal act of creating a fraudulent check, often with the intent to deceive and gain financial advantage.
* Insufficient funds offenders: This term applies to individuals who write checks knowing they have insufficient funds in their account to cover the amount. It is a broader term that can include accidental or negligent oversights, but also encompasses intentional actions.
It's important to note that the specific term used might depend on the context and legal jurisdiction.