North Dakota Code § 41-04-17

(4-205) Depositary bank holder of unendorsed item
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If a customer delivers an item to a depositary bank for collection:
1. The depositary bank becomes a holder of the item at the time it receives the item for 
collection if the customer at the time of delivery was a holder of the item, whether or 
not the customer endorses, and, if it satisfies the other requirements of section 
41-03-28, it may be a holder in due course.
2. The depositary bank warrants to subsequent collecting banks, the payor bank or other 
payor, and the drawer that the amount of the item was paid to the customer or 
deposited to the customer's account.

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