North Dakota Code § 6-03-67

Appropriation of deposits unlawful - Exception - Liability therefor
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Except as provided in sections 6-07.2-09 and 30.1 -31-20, it is unlawful for any banking 
association to charge any claim which it might have, or the claim of any other person, against a 
deposit made with the association, or to appropriate a deposit or any part of the deposit to the 
payment of any debt to the association, without legal process or the consent of the depositor. 
Any banking association that violates this section is liable to the party aggrieved for any 
damages caused by the violation.

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