A check or other draft does not of itself operate as an assignment of funds in the hands of the drawee available for its payment, and the drawee is not liable on the instrument until the drawee accepts it.
Md. Code Ann., Com. Law § 3-408
Known as the Maryland Uniform Commercial Code
The act spans §§ 1–9 (556 sections).
Official source: Maryland General Assembly. Reproduced from public-domain Maryland statutes; confirm against the official source for the current text. Not legal advice.