It's very trivial to signup for a online bank account with a stolen identity. FBI won't get involved in the case unless it's over 150k in losses and local police don't have skills or desire to do anything online.
Source: work for an online bank
Source: work for an online bank
The problem is these guys repeat offend. If they just got $1500 - they would be fine. But they wont. They will repeat until they clear 150k. That is a life sentence. This is why the federal jails are full of drug traffickers. Drug trafficking is a lifestyle - they can't stop.