Recently the Police showed up to my house to ask questions about some fraud cheques. They came to talk to me about the situation. During the duration of this visit, I spoke to them 'off the record' about the situation of these cheques. I did mention I took some cheques and made deposits. I gave a portion to someone and that was the scenario of it. I did give them an individuals contact but that's about it.

I do realize after that I shouldn't have even opened my mouth. I should've went with the notion that I would like to help but I don't feel comfortable speaking without a lawyer present. Right now they said it is a good start but they didn't mention I was being charged but just a suspect in the on going investigation.

Right now I am thinking of getting legal aid to get a consultation of my situation.

My worry now is if I put myself in a situation where the things I said 'off the record' could be used against me in court. The other detective did write down the info on a piece of paper.

Of course what you say "off the record" will be used against you.

Yes, I'd hire an Attorney - and soon. And I'd also stop talking to the Police.

There is no such thing as "off the record" with police, real life is not like some of the TV dramas.

So yes anything you said would be used against you.
BUT
I assume.
1. you got checks from someone you did not know, most likely some scheme off the internet that someone emailed you.
2. you were to cash the checks, keep part of the money, and then send them the rest by western union.
3. Now the checks were either fake, stolen, or a fraud.
Or a method of money laundering stolen or drug money to make it clean.

This was all put into your account and now you owe the bank 1000's of dollars.

Normally if you merely pay the bank back, the bank will not follow up with charges.

But yes even if you were not "aware" you can be charged with a crime. This happens all the time.

Tell us more about how you got the checks, and how much you owe the bank when they bounced.

The total sum was roughly $3800. No cheques bounced. In Ontario, fraud is punishable to a maximum of 2 years jail time or a $5000 fine. I'm looking to not serve time and not to get a record of it.

I am sorry you are being so vague at what happened we can not help you. The details of the crime often give you the details of a defense.

So hire an attorney and make a plea deal, that is the best opton with no info about situation.