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A Woodvale woman has been jailed for forging a $91,000 business cheque which she deposited into the bank account of a person whose bank card she stole in the mail.

Lois Clover Loder, 39, came into the possession of the cheque in June 2011 after it had been mailed by an employee of an Osborne Park business.

She then crossed out the payee's name and replaced it with the name of a person's whose bank card she had stolen before depositing the cheque into the person's account, Perth District Court was told this morning.

State prosecutor Kim Jennings said Loder accessed the account a number of times and almost $24,000 was spent, with the 39-year-old being the primary beneficiary.

Loder, who pleaded guilty to forgery, uttering a forged record and two counts of fraud, also used two stolen credit cards to book hotel accommodation in Perth under false names in June last year, the court was told.

Defence lawyer David Hockton argued it had not been a "sophisticated" case of fraud but rather a case where his client had gone through letter boxes and found mail containing bank cards before returning a few days later to collect the pin.

Mr Hockton said 58 charges were dropped following negotiations with State prosecutors.

The court was told the offences breached an intensive supervision order and suspended term of imprisonment on which Loder was placed for earlier offences, some of which involved stolen credit cards.

Chief Judge Peter Martino described Loder's offending as brazen and said she had committed the offences at a time when she was consuming drugs.

Loder, who has been in custody since June last year, was sentenced to a total of two years and 11 months.

Her sentence was backdated and she will be eligible for parole after serving 17 1/2 months.

Loder will also have to pay the NAB bank $23,459 compensation and $2035 to the two hotels.

Judge Martino also made an order for destruction of stolen mail items which police located at Loder's Woodvale home.