A federal grand jury has returned a four-count indictment against five people charging them with conspiracy to commit bank fraud in a credit card identity theft scheme, U. S. Attorney William J. Hochul Jr. said Thursday.

Charged are Jia Ming Huang, Rungen Huang, Zhen Qiang Liang, Chang Keng Zheng, also known as Yu Zheng, and Siu S. Cheng. Prosecutors said they live either in New York State or Florida. Their ages and relationships to each other were not given.

The five were arrested Dec. 12 in a Salamanca hotel, along with several other people. Investigators said they seized a van and equipment for making phony credit cards.

Prosecutors said the group obtained credit card and debit account numbers of hundreds of bank customers and used them to produce counterfeit credit and debit cards.

Then they allegedly used them to get cash from ATM machines in the Seneca Niagara Casino, Seneca Allegany Casino, the Salamanca Bingo Hall and other casinos between last July and December. In all, $510,500 was withdrawn with the bogus cards.