(a) Ejercer derecho a recobrar o compensación excepto que de otro modo se disponga en el inciso (c) de esta sección, un banco con el cual se mantiene una cuenta de depósito podrá ejercer cualquier derecho a recobrar o de compensación contra un acreedor garantizado que tenga una garantía mobiliaria sobre la cuenta de depósito.
(b) Recobro o compensación no se afecta por la garantía mobiliaria.— Excepto que de otro modo se disponga en el inciso (c) de esta sección, la aplicación de este capítulo a una garantía mobiliaria sobre una cuenta de depósito no afectará el derecho a recobrar o a compensación del acreedor garantizado en cuanto a una cuenta de depósito que se mantenga con el acreedor garantizado.
(c) Cuándo la compensación es inefectiva.— El ejercer la compensación por un banco contra una cuenta de depósito será inefectiva contra un acreedor garantizado que tenga una garantía mobiliaria sobre la cuenta de depósito el cual está perfeccionada por control bajo la sec. 2214(a)(3) de este título si la compensación se basa en un reclamo contra el deudor.
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