The Ohio Revised code is where you'll find this information. Ohio has adopted the UCC, as most states have, and a bank's set off rights are outlined in section 4 of the UCC--look around 1304 of the ORC for what you're interested.
You may vary any setoff right (as well other things may be varied also) by agreement (ORC 1304.03) so long as you don't try to get out of your duty of good faith or failure to exercise ordinary care or limit the measure of damages for the lack or failure.
Hope that helps. Both the UCC and ORC are available in full text online for free. Just google em
Last edited by kenyonlord; 10/27/05 10:05 PM.