Idaho State Statutes - Idaho Attorney Directory

EFFECTIVENESS OF RIGHT OF RECOUPMENT OR SET-OFF AGAINST DEPOSIT
ACCOUNT. (a) Except as otherwise provided in subsection (c) of this section, a
bank with which a deposit account is maintained may exercise any right of
recoupment or set-off against a secured party that holds a security interest
in the deposit account.
(b) Except as otherwise provided in subsection (c) of this section, the
application of this chapter to a security interest in a deposit account does
not affect a right of recoupment or set-off of the secured party as to a
deposit account maintained with the secured party.
(c) The exercise by a bank of a set-off against a deposit account is
ineffective against a secured party that holds a security interest in the
deposit account which is perfected by control under section 28-9-104(a)(3), if
the set-off is based on a claim against the debtor.

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