A federal grand jury returned a 15-count indictment charging Emmanuel Antwi, a Ghanaian national, with credit card fraud and bank fraud, said Steven M. Dettelbach, United States Attorney for the Northern District of Ohio.

The indictment alleges that Antwi defrauded Fifth Third Bank, First Merit Bank, and Key Bank through misrepresentations relating to numerous cash advances.

If convicted, the defendants’ sentence will be determined by the court after review of the factors unique to this case, including the defendants’ prior criminal records, the defendants’ roles in the offense and the characteristics of the criminal conduct. In all cases, the sentence will not exceed the statutory maximum and, in most cases, it will be less than the maximum

Assistant United States Attorney Matthew J. Cronin is prosecuting the case following an investigation by the Federal Bureau of Investigation and the Elyria Police Department.

An indictment is only a charge and is not evidence of guilt. A defendant is entitled to a fair trial in which it will be the government’s burden to prove the defendant guilty beyond a reasonable doubt.