n8 In light of our holding that a bank setoff is improper, we can reasonably expect that only in a rare, future case would a bank nonetheless intentionally set off and retain funds over a depositor's protest. The more likely circumstance would be a setoff by an uninformed or misinformed bank employee. If the bank promptly returned the funds to the depositor's account (either unilaterally or at the depositor's request), to impose on the bank either a loss of the security or underlying debt might be excessive. A sufficient remedy might be to hold the bank responsible for any compensatory damages suffered by the depositor. As noted above, however, this is not such a case, and we do not decide what the appropriate remedy, if any, should be in that circumstance if the depositor were to assert a waiver by the bank of its security interest.