While doing some research on state financial codes for deferred presentment, aka payday loan :evil: I found that California has most user-friendly and well-defined laws. It also says that NSF checks which are involved in Deferred Presentment Business will not fall under other bad check laws.
Almost all the state code states that if a check returns due to NSF or closed account, no criminal charges can be brought against the customer; however, the lender can take up certain civil processes to get the face value back.