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.
Structure Maryland Statutes
Title 3 - Negotiable Instruments
Subtitle 4 - Liability of Parties
Section 3-402 - Signature by Representative
Section 3-403 - Unauthorized Signature
Section 3-404 - Imposters; Fictitious Payees
Section 3-405 - Employer's Responsibility for Fraudulent Indorsement by Employee
Section 3-406 - Negligence Contributing to Forged Signature or Alterations of Instrument
Section 3-408 - Drawee Not Liable on Unaccepted Draft
Section 3-409 - Acceptance of Draft; Certified Check
Section 3-410 - Acceptance of Varying Draft
Section 3-411 - Refusal to Pay Cashier's Checks, Teller's Checks, and Certified Checks
Section 3-412 - Obligation of Issuer of Note or Cashier's Check
Section 3-413 - Obligation of Acceptor
Section 3-414 - Obligation of Drawer
Section 3-415 - Obligation of Indorser
Section 3-416 - Transfer Warranties
Section 3-417 - Presentment Warranties
Section 3-418 - Payment or Acceptance by Mistake