no funds　

no funds　存款不足　

Reason for repudiating or returning a check to its depositor，because the amount available in check-writer’s（drawer’s）account is less than the check’s amount.Usually both the depositor and the drawer of the returned check have to pay a penalty to their respective banks.If a drawer’s checks are returned frequently，his or her bank may unilaterally close that account.In some jurisdictions it is a criminal offense to knowingly issue a check that will be returned.Sometimes the words“not sufficient funds（NSF）”or“refer to drawer”are instead used.