North Dakota Century Code Title 6. Banks and Banking § 6-08.6-10. Recoupment or set off

a. When the bank or credit union becomes obligated to pay a beneficiary, in an amount that does not exceed the amount necessary to discharge the obligation;

b. For a fee assessed by the bank or credit union that relates to an overdraft in the special deposit account;

c. For costs incurred by the bank or credit union that relate directly to the special deposit; or

d. To reverse an earlier credit posted by the bank or credit union to the balance of the special deposit account, if the reversal occurs under an event or circumstance warranted under other law governing mistake and restitution.