Rafeal Heard, 34, of Cleveland, is charged with bank fraud and failing to appear in federal court

Rafeal Heard, 34, of Cleveland, is charged with bank fraud and failing to appear in federal court. U.S. postal inspectors say Heard gets others to open checking accounts he uses to deposit checks he makes. Heard's criminal history includes aggravated trafficking in cocaine, drug possession, theft, forgery, tampering with records, having guns, falsifying records and passing bad checks.He is 6 feet 1 and 170 pounds. He has contacts throughout Cleveland's East Side and frequented the East 114th Street and Hopkins Avenue area.