Md. Code, Com. § 3-408
Current with changes from the 2024 legislative session from Chs. 2 through 1049, effective on or before 6/1/2024
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, CL § 3-408