Phoenix is the city most at risk for identity fraud, according to the Identity Theft Resource Center. Their new survey shows writing a check is not safer than banking online because of a scam called "check washing." The thief erases the ink on a check, fills in whatever he wants, and cleans out your bank account. But never fear. Where there's a scam like check fraud, there's sure to be a company with a profitable solution. Uni-Ball makes a pen filled with a specially formulated ink that can't be washed off. It comes in several elegant designs, for the sophisticated check-writer.