ORDER GRANTING DEFENDANT’S MOTION TO DISMISS INDICTMENT
ROBERT H. WHALEY, Senior District Judge.Before the Court is Defendant’s Motion to Dismiss, ECF No. 31. The Government has responded. ECF No. 32. The Court held a hearing in the above-captioned matter on October 1, 2013, in Yakima, Washington. Defendant was present and represented by Rick Hoffman. Alexander Ekstrom appeared on behalf of the Government. The Court is now fully informed, having reviewed the motion and responses, and enters the following order. For the reasons set forth below, the Court grants Defendant’s Motion to Dismiss.
BACKGROUND
On August 14, 2013, Defendant Robert Anton Lien was indicted on a single count of bank fraud in violation of 18 U.S.C. § 1344. See Indictment, ECF No. 17. Specifically, the Indictment alleged that on or about January 21, 2013 to March 1, 2013, Defendant devised a scheme and artifice to defraud a federally insured financial institution, namely Bank of America, and to obtain moneys, funds, credits, assets, and other property owned by and under the custody and control of said financial institution by means of false and fraudulent pretenses and representations. Id. at ¶¶ 1, 4.
As part of the scheme and artifice to defraud, Defendant entered the premises of Pingrey Ford Motors (“Pingrey”) located in Selah, Washington, on January 21, 2013 to arrange for the purchase of a 2013 Ford F350 truck. Id. at ¶ 5. He then returned to Pingrey on January 30, 2013, and completed all documentation to purchase the truck and wrote a personal check to Pingrey as payee from his Bank of America checking account in the amount of $68,488.53. Id. at ¶ 6. The check was post-dated to February 2, 2013. Id. Pingrey accepted the cheek and Defendant took delivery of the vehicle and removed it from the premises of Pingrey. Id.
The Government further alleged in the Indictment that Defendant knew at all times that his checking account did not have sufficient funds to cover the check. Id. at ¶ 7. On February 8, 2013, the check was dishonored by Bank of America for insufficient funds to satisfy the payment of the Ford F350 truck at Pingrey. Id. at ¶ 7. Subsequently, Defendant instructed Pingrey to present the check for payment again. Id. The check was then dishonored for insufficient funds a second time. Id.
LEGAL STANDARD
A. Motion to Dismiss
“In ruling on a pre-trial motion to dismiss an indictment for failure to state an offense, the district court is bound by *1186the four corners of the indictment.” United States v. Boren, 278 F.3d 911, 914 (9th Cir.2002). The court must accept the allegations in the indictment as true in determining whether a cognizable offense has been charged. Id. “A motion to dismiss the indictment cannot be used as a device for a summary trial of the evidence.... The [c]ourt should not consider evidence not appearing on the face of the indictment.” United States v. Jensen, 93 F.3d 667, 669 (9th Cir.1996) (quoting United States v. Marra, 481 F.2d 1196, 1199-1200 (6th Cir.1973)).
B. Bank Fraud
Bank Fraud under 18 U.S.C. § 1344 provides in relevant part: Whoever knowingly executes, or attempts to execute, a scheme or artifice-
(1) to defraud a financial institution; or
(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representations, or promises;
18 U.S.C. § 1344.
The statute is “designed to provide an effective vehicle for the prosecution of frauds in which the victims are financial institutions.” United States v. Bennett, 621 F.3d 1131, 1135 (9th Cir.2010). The scope of the first and second subsections of § 1344 differ substantially. United States, v. McNeil, 320 F.3d 1034, 1037 (9th Cir.2003). Section 1344(1) criminalizes schemes to defraud financial institutions, while section 1344(2) is broader, as it criminalizes schemes to obtain money or property in the custody or control of a bank by deceptive means. Id.
For purposes of the Bank Fraud statute, the terms “scheme” or “artifice” are defined to include any plan, pattern, or cause of action, including false and fraudulent pretenses and misrepresentations, intended to deceive others in order to obtain something of value, such as money, from the institution to be deceived. Id. Further, a bank fraud charge may lie even if the bank is not the immediate or sole victim of the defendant’s conduct. Id. at 1038. Also, the financial institution need not incur a loss in order to be a victim under § 1344. United States v. Mason, 902 F.2d 1434, 1442 (9th Cir.1990) (implied overruling by United States v. Doe, 705 F.3d 1134 (9th Cir.2013), on other grounds). A narrow construction of the statute would only permit the punishment of loss, rather than the conduct that led or could lead to loss. Id.
ANALYSIS
Defendant contends that his actions do not violate § 1344 because the allegations do not constitute a scheme or artifice to defraud a financial institution. ECF No. 31. He further argues the allegations against him do not “constitute an act involving false pretense, representation, or promise.” Id. at 4. Defendant cites to United States v. Jacobs, 117 F.3d 82, 92-93 (2d Cir.1997) (citing United States v. Orr, 932 F.2d 330 (4th Cir.1991)), for the proposition that a scheme to pass bad checks is not a bank fraud, as it is not a fraud against the bank. ECF No. 31 at 3. Further, he argues the issuance of a check, even a check presented with insufficient funds, does not create a representation or promise as intended by the bank fraud statute. Id. (citing Williams v. United States, 458 U.S. 279, 102 S.Ct. 3088, 3091, 73 L.Ed.2d 767 (1982)).
The Government responds that it is alleging a violation of both subsections of Section 1344, and the Indictment recites as offense under the attempt prong of either subsection. ECF No. 32 at 9. The Govern*1187ment provides other additional facts subsequent to the presentation of the check to Pingrey and Defendant taking possession of the truck. However, those facts are not alleged in the “four corners” of the Indictment. Thus, the Court declines to consider them in making its determination whether the indictment is sufficient. See Boren, 278 F.3d at 914.
The Government also distinguishes both of the cases cited by Defendant. First, the Government points out, Defendant’s actions to present the check, knowing it would not be issued, and then requesting it be resubmitted after the initial dishonor, take this case outside the bounds of a “routine bad check case.” See, e.g., United States v. Brandon, 298 F.3d 307, 313 (4th Cir.2002). The Government also points out that Williams v. United States, 458 U.S. 279, 102 S.Ct. 3088, which construed 18 U.S.C. § 1014, has been superseded and placed check kiting within the scope of bank fraud.
Defendant relies upon the Fourth Circuit’s decision in United States v. Orr, 932 F.2d 330 (4th Cir.1991). In Orr, defendant Eugene Elkins used false identification to open a checking account under the name “Eugene Rogers.” Id. at 331. Elkins, and his co-defendant Orr, then subsequently negotiated checks for merchandise in excess of the value of the checking account. Id. Orr was convicted of bank fraud under § 1344. The Fourth Circuit reversed the conviction, and found there was no intent to defraud the bank where there was an initial cash deposit and the account was an active account, “traded upon in proper fashion until its funds ran out.” Id. at 332. The Orr court then reasoned that Congress had not intended to create a national bad check law under § 1344. Id.
However, in a later case, the Fourth Circuit narrowed Orr where the defendants stole blank checks, forged the signatures, and used the checks to purchase items from various merchants. See United States v. Brandon, 298 F.3d 307 (4th Cir.2002). As the Brandon court noted:
We view Orr as establishing merely that a routine bad check case does not come within the scope of § 1344 where the defendant passes to a merchant a check from an account for which the defendant is an authorized signatory and the drawee bank refuses to honor the check for lack of sufficient funds.
Id. at 313; see also United States v. Cavin, 39 F.3d 1299, 1308 (5th Cir.1994) (“[T]he evidence reflects that [the defendant] did nothing more than write a bad check to accommodate a prospective client ... does not constitute bank fraud.”).
Here, the indictment alleges that Defendant presented a single check drawn on his own Bank of America account in the amount of $68,488.53. (emphasis added). The check was presented to Pingrey Motors as payee for the purchase of the Ford F350 truck. There is no allegation in the Indictment that the account in question was fraudulent. The indictment explicitly states that “[a]t all times relevant ... Defendant Robert Anton Lien was an account holder and maintained signatory authority” on the personal checking account at Bank of America. ECF No. 17 at ¶ 1. In sum, the Court agrees with Defendant that the facts of this case are more analogous to Orr than Brandon, as there is insufficient information alleged in the Indictment to take this case outside the bounds of a “routine bad check case.”
Next, the Court further agrees that a charge under the current Indictment for § 1344(2) may not lie because a check is not a factual assertion and cannot alone constitute false or fraudulent pretenses or representations. Where the only allegation is that a defendant knew he was not entitled to the funds, without more, (e.g., *1188the check in question was not genuine or in any way put the bank at a risk of loss), the Court concludes the allegations in the Indictment fail to sufficiently allege facts to support a violation of § 1344(2):
A course of conduct consisting of simply depositing checks into a bank account where the depositor knows that he/she is not entitled to the funds does not alone constitute false or fraudulent pretenses or representations” within the meaning of § 1344, because “‘technically speaking, a check is not a factual assertion at all, and therefore cannot be characterized as “true” or “false.” ’ ” United States v. Rodriguez, 140 F.3d [163] at 168 [ (2d Cir.1998) ] (quoting Williams v. United States, 458 U.S. 279, 284, 102 S.Ct. 3088, 73 L.Ed.2d 767 (1982)).
[W]e noted that “where a bank takes a check as a holder in due course, under most circumstances the bank cannot be victimized,” and in such a situation the bank fraud statute is not violated. United States v. Rodriguez, 140 F.3d at 168 (footnote omitted); see also United States v. Davis, 989 F.2d 244, 247 (7th Cir.1993); U.C.C. § 3-302(a) (a bank is a holder in due course of a check where that check “does not bear such apparent evidence of forgery or alteration or is not otherwise so irregular or incomplete as to call into question its authenticity,”
United States v. Laljie, 184 F.3d 180, 190 (2d Cir.1999).
In the instant case, as in Laljie, the Indictment fails to allege any facts the check presented to Pingrey was altered, forged, or otherwise not genuine. Id. at 191. Further, at all times the check was drawn on Defendant’s own account and made payable to Pingrey as payee. Thus, the Court finds the Government, under these facts, has not alleged a violation of § 1344(2) sufficient to withstand a motion to dismiss, as the presentation of the check to Pingrey does not constitute a false or fraudulent pretense, representation, or promise.
After the hearing on October 1, 2013, the Government submitted a supplemental Memorandum Re: United States v. Laljie. ECF No. 35. The Government argues that it is unaware of, and the Defendant cites no Ninth Circuit authority that the “risk of loss/holder in due course” analysis defeats a § 1344 prosecution. Id. at 2. On the other hand, the Ninth Circuit has not adopted a “risk of loss” analysis in bank fraud cases. United States v. Wolfswinkel, 44 F.3d 782, 786 (9th Cir.1995). In any event, the Court is satisfied the current Indictment does not sufficiently allege that Bank of America was exposed to a risk of loss under the facts of this case.
In addition, the Government cites to United States v. Poliak, 823 F.2d 371, 371-72 (9th Cir.1987), and asserts that “there are many instances where, such as here, there is intent to defraud [] shown in addition to presentation of facially valid but actually ‘bad’ checks.” Id. However, Poliak is distinguishable from the instant case because it involved a check kiting scheme.2 Here, no such allegations appear in the instant Indictment against Defendant. Similarly, United States v. Bonallo, also cited by the Government, is unlike the instant case as it involved a fraud on the bank and its customers by a bank employee. 858 F.2d 1427 (9th Cir.1988).
*1189The Government reiterates its core argument that the Indictment states an offense for Bank Fraud because the Indictment alleges that Defendant wrote a known bad check and then made “multiple” requests3 to the dealership to resubmit the checks to Bank of America. In conjunction with the analysis above, the Court finds these allegations remain insufficient to state an offense under § 1344.
CONCLUSION
In accordance with the authority cited above, and from the facts4 alleged in the Indictment, the Government’s position that Defendant wrote the check with knowledge there was insufficient funds, and then asked Pingrey for the check to be postdated and re-submitted after it was dishonored for non-sufficient funds, does not constitute bank fraud under either prong of § 1344. Therefore, the instant Indictment must be dismissed without prejudice.
Accordingly, IT IS HEREBY ORDERED:
1. Defendant’s Motion to Dismiss, ECF No. 31, is GRANTED.
2. The Indictment, ECF No. 17, is DISMISSED without prejudice.
3. The pretrial conference set for October 22, 2013, and the trial set for November 12, 2013, are hereby VACATED.5
4. All other pending hearings and deadlines are STRICKEN.
5. All pending motions are DENIED as moot.
6. Defendant shall remain under the custody of the U.S. Marshals Office, pending resolution of the supervised release violations in Case No. CR-08-2068-RHW.
7. The parties and U.S. Probation are directed to advise the Court as to the status of the pending supervised release revocation hearing in Case No. CR-08-2068-RHW by October 15, 2013.
IT IS SO ORDERED. The District Court Executive is directed to enter this Order dismissing the Indictment without prejudice, and forward copies to counsel and U.S. Probation, and close the file.
. "Check kiting” is "the practice of playing one checking account against another, taking advantage of bank processing delays.” United States v. Turner, 312 F.3d 1137, 1139 n. 1 (9th Cir.2002). By carefully timing deposits and withdrawals, a person is able to create "the appearance of funds present and immediately available for withdrawal in an account, when none in fact are there.” Id.
. The Government submits it is prepared to submit evidence at trial of scheme to defraud Pingrey including "disguises, multiple forged/ false documents financial and otherwise, and multiple ruse calls, to sustain a conviction.” ECF No. 35 at 2. However, the Court may not consider such facts on a motion to dismiss. See Boren, 278 F.3d at 914.
. According to the Ninth Circuit, "[w]hen construing the meaning of an indictment, the description of the alleged conduct is far more critical than the indictment’s prefatory language or its citation of a particular provision of a statute.” United States v. Bonallo, 858 F.2d 1427, 1430 (9th Cir.1988).
.On October 1, 2013, the Court orally continued the current trial date of October 21, 2013 to November 12, 2013; and set a pretrial conference on October 22, 2013. See ECF No. 34.