(b) For the purposes of this section, an issuer is presumed to know that the check or order would not be paid, if:

1. (1) The issuer had no account with the drawee at the time the check or order was issued; or
2. (2) Payment was refused by the drawee for lack of funds, upon presentation within 30 days after issue, and the issuer failed to make good within 10 days after receiving notice of that refusal.