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Perfection of the security interest, or how creditors can make their security interest enforceable against third parties. An overview of deposit account control agreements DACA Deposit account control agreements DACA , also known as "lockbox agreements," "control agreements," "account control agreements" or "ACAs", are legally binding agreements between startups, their bank, and a lender or capital provider. Popular in the banking and finance world, penny tests are a simple way to verify the validity of a bank account or bank integration, prior to a large finance transaction taking place. Follow us. If the startup fails to make a payment, the lender can invoke their right and collect either a portion of the loan or the entire outstanding balance.