Revised Article 9 does not apply to "an assignment of a deposit account in a consumer transaction".
The exclusion, however, does not prohibit or prevent a lender from taking a deposit account as collateral in a consumer transaction. It only means that law outside of Article 9 governs the transaction, and that law must be used to acquire the deposit account as collateral - not Article 9.
Former Article 9 excluded any "transfer of an interest in any deposit account". Nevertheless, lenders could, and frequently did, take deposit accounts as collateral in consumer transactions. Adoption of revised Article 9 was not intended to change that. It was only intended to extend Article 9 to deposit accounts as collateral, but not in consumer transactions.
For a loan to be a "consumer transaction" under revised Article 9 two parameters must be met. First, the loan must be primarily for a personal, family or household purpose. Second, the collateral must be held or acquired primarily for a personal, family or household purpose. If either parameter is not met, the loan is not a "consumer Transaction" under revised Article 9. Therefore, revised Article 9 would apply to the transaction.
Commercial loans secured by consumer deposit accounts are covered by revised Article 9.
Less likely (but still a possibility), a consumer loan secured by a commercial deposit account is covered by revised Article 9.
A consumer loan secured by a consumer deposit account is governed by law outside of revised Article 9 (contract law, property law and assignment law) with respect to acquiring the deposit account as collateral.
Please note well!! It is possible for states to deviate from the uniform version of Article 9 and to adopt other laws applicable to the transaction. This discussion is based on the uniform version of revised Article 9.