Maryland Criminal Law Section 8-102

      (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".