Federal prosecutors say a Utah woman used the Social Security numbers of several people to open up bank accounts and take out credit cards to get money.

On Wednesday, a federal grand jury returned a 43-count indictment against Lori Lloyd Encinias, charging her with counts of bank fraud, aggravated identity theft, access device fraud, mail fraud and using someone else's identification.

According to the indictment, Encinias used the Social Security numbers of others to open accounts in at least three banks and then wrote out a series of checks to local businesses before the banking institutions were able to catch the fraud and shut down the accounts. Prosecutors say she also took out several credit cards.

If convicted, Encinias faces a maximum of up to 20 years in federal prison.