The Jets’ bank account is overdrawn.

Just days after Ravens loquacious linebacker Ray Lewis chirped that Rex Ryan and the Jets might have written a check they can’t cash with all of their bold Super Bowl talk, the Ravens ruined the Jets season and home opener by defeating them 10-9 tonight at their shiny new stadium.

But as much as the Ravens beat the Jets, the Jets really beat the Jets thanks to a staggering number of debilitating penalties, embarrassingly inept offense and one bone-headed play after another.

Consider this snapshot that typified this maddening night: The Jets had 10 penalties for 100 yards in the first half and that was 16 more yards than they produced in total offense.

Another snapshot: The Jets offense failed to convert a single first down in nine third down chances while the Ravens converted them almost at will on the Jets defense, which otherwise looked dominant on every other down.

Yes, it was that kind of night for the 0-1 Jets.

The 1-0 Patriots, who play the Jets on Sunday at the New Meadowlands Stadium, must have been snickering in front of their TV sets.

The Jets defense forced three turnovers in the first half yet trailed 7-6 thanks to a staggering number of killer penalties (10 for 100 yards) and — as usual — inept offense (84 total yards).

The series of events that best captured the pathetic plight of the Jets in the first half came on the Ravens’ go-ahead drive.

First it must be noted that the drive came after Jets running back Shonn Greene fumbled the ball away moments after an INT and 66-yard return by Jets cornerback Antonio Cromartie — one of several electric moments in the game for the Jets that were wasted in defeat.

The Jets then kept giving the Ravens chance after chance with idiotic penalties — something they did the entire game.

The worst was a running into the kicker penalty on Braylon Edwards on a Baltimore 44-yard field goal attempt. That took the field goal off the board and gave the Ravens a first down.

Moments later — after the Jets seemingly stopped the Ravens on third down again — rookie corner Kyle Wilson was called for a pass interference penalty in the end zone, giving Baltimore another free crack at a TD.

This time the Ravens converted, taking the 7-6 lead on a one-yard Willis McGahee scoring run with six seconds remaining in the half.

Earlier, the Jets’ defense looked like it was going to manhandle the Ravens.

On the Ravens first offensive play from scrimmage, Jets defensive end Shaun Ellis and linebacker Bryan Thomas crushed quarterback Joe Flacco in a sandwich sack and forced a fumble that was recovered by Sione Pouha at the Baltimore 11.

The Jets managed only a 23-yard Nick Folk field goal out of it for a 3-0 lead.

Later in the first quarter, Jets defensive end Vernon Gholston made the biggest play of his NFL career, helping force a McGahee fumble that was recovered by Pouha.

Typically, the Jets offense stalled, punting the ball away on a fourth-and-one from the Baltimore 43.

When the Jets got the ball back next Mark Sanchez promptly connected with Dustin Keller on a 33-yard pass play to the Baltimore four, but that was nullified by an Edwards illegal shift penalty.

Faced with another fourth-and-one — this one from the Baltimore 10 — Ryan again looked afraid to back his offense and opted for a 28-yard Folk field goal and a 6-0 lead with 8:16 remaining in the half.

The Cromartie interception came on the next drive — one of the most exciting moments of the night yet it led to nothing.

Cromartie, who otherwise had a poor first half filled with penalties and poor coverage, made an acrobatic pick of a Flacco pass at the Jets three yard line and returned it 66 yards to the Baltimore 31.

Two plays later, Greene ran into his own player, guard Matt Slauson, and fumbled the ball away, giving the Ravens the opening to punch the Jets in the gut and take the halftime lead.

The Ravens took a 10-6 lead on a 25-yard Billy Cundiff field goal in the third quarter.

A 48-yard Folk field goal with 10:29 remaining in the game cut the Baltimore lead to 10-9, but that’s as close as the Jets would get because their offense looked like it was running under water.