establishing a deposit account control agreement allows lenders to perfect their interest in a debtor’s deposit account(s) (ucc § 9-104) and define who can initiate disposition (transfer) instructions to the bank with respect to the controlled deposit account(s). regions has an experienced, centralized deposit account control agreement team that can offer a range of benefits to lenders and customers, as well as their law firms. active deposit account control agreement — a control agreement that directs the bank to take disposition instructions from the secured party (not from the debtor). deposit account control agreement (daca) — a tri-party agreement among a customer (debtor), a secured party (lender) and a bank that allows the lender to perfect a security interest in the customer’s funds by taking control of the deposit account (ucc § 9-104).