(a) For purposes of this subtitle, a drawer has insufficient funds with a drawee to cover a check when the drawer has with the drawee: (1) no account; (2) only a closed account; (3) no funds; or (4) funds in an amount that is less than the amount needed to cover the check. (b) A check dishonored for 'no account' has been dishonored for 'insufficient funds'.
Maryland Legal Code