No person who, with intent to defraud, shall make or draw or utter or deliver any check, draft, or order for the payment of money, to apply on account or otherwise, upon any bank or other depository, knowing at the time of making, drawing, uttering, or delivery, that the maker, or drawer, has not sufficient funds in or credit with the bank or other depository, for the payment of that check, draft, or order, in full, upon its presentation, or any person who, with the intent to defraud, shall make, draw, utter, or deliver any check, draft, or order for the payment of money to apply on account or otherwise, upon any bank or other depository and who shall not have sufficient funds for the payment for same when presentation for payment is made to the drawee, except where the lack of funds is due to garnishment, attachment, levy, or other lawful cause, and that fact was not known to the person who made, drew, uttered, or delivered the instrument at the time of so doing.