S.D. Codified Laws § 51A-12-14
Current with legislation signed by the governor on or before 3/6/2024
In addition to the general lien created by § 44-11-11 in favor of a bank on all property in possession of the bank belonging to its customers, a bank may offset against all loan balances, whether principal or interest, owed to the bank by a customer, all or any portion of the bank's obligation to the customer in the form of certificates of deposit, time savings certificates and any other form of deposit.
SDCL 51A-12-14