JACKSONVILLE, Fla. -

A 33-year-old Jacksonville woman has been arrested on 31 counts of bank fraud.

Jacksonville police said that between December 2011 and November 2012, Janie Smith, also known as Pumpkin, was involved in a scheme to open fraudulent bank accounts through Navy Federal Credit Union online and on the phone.

Once the accounts were opened, Smith would deposit checks through the ATM into 31 different accounts, police said. They said the checks returned "Unable to Locate Account" and "Closed Account."

Cash withdrawals and point-of-sale transactions were conducted against the deposits, causing the credit union to suffer a loss of $63,013.51 on those accounts, police said.

Investigators said Smith was identified as the suspect on video surveillance depositing and withdrawing cash from the accounts.

When arrested, she requested a lawyer and refused to talk to police.

Smith was booked into jail and charged with fraudulent use of personal identification information, 31 counts of bank fraud, and organized fraud.