(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”.