There are two (2) ways of violating B.P. Blg. 22: (a) by making or drawing and issuing a check to apply on account or for value knowing at the time of issue that the check is not sufficiently funded; and, (b) by having sufficient funds in or credit with the drawee bank but failing to keep sufficient funds or to maintain a credit to cover the full amount of the check when presented to the drawee bank within a period of ninety (90) days.