TMZ has learned ... 19-year-old Joshua Drummonds was arrested Monday in Monroe County, MI after his mother told police he stole 5 checks out of her checkbook over the past few months and wrote them out to himself.
According to the criminal complaint, obtained by TMZ, Josh wasn't looking for a HUGE payday ... because he only took a total of $270 ... with each check ranging from $30 to $100.
Law enforcement tells us Drummonds is now facing 7 felony charges -- 1 count of larceny for stealing the checks, 5 counts of forgery and 1 count of violating his probation.
Josh is facing up to 4 years behind bars for the larceny and 14 years for EACH COUNT of forgery.
Josh's bail has been set at $20,000. They probably won't take a check.