U.S. Bank overdraft settlementA federal judge on Monday preliminarily approved a class action lawsuit settlement between U.S. Bank and checking account customers who were charged improper overdraft fees.

The July 29 decision by U.S. District Judge James Lawrence King comes nearly a year after U.S. Bank agreed to pay $55 million to settle three class action lawsuits pending in the massive multidistrict litigation (MDL), known as In re: Checking Account Overdraft Litigation, involving more than 30 different banks nationwide.

The class action settlement resolves allegations that U.S. Bank posted debit card transactions to consumer deposit accounts from highest to lowest dollar amount instead of the order in which they were made. Plaintiffs claim that, instead of declining transactions when an account had insufficient funds to cover a purchase, U.S. Bank authorized the transactions and reordered their posting to increase the number of overdraft fees charged to customers.

Class Members of the U.S. Bank overdraft settlement include anyone who had a U.S. Bank consumer deposit account that could be accessed with a U.S. Bank debit card during the applicable Class Period and who were charged one or more overdraft fees as a result of the bank’s improper debit posting policy.

The applicable Class Period depends on the state where your U.S. Bank deposit account was opened:

U.S. Bank overdraft settlement period










The amount of money you can receive from the U.S. Bank overdraft settlement will depend on the number of overdraft fees you incurred. Only a small percentage of all overdraft fees that were charged by U.S. Bank were affected by high to low posting. So, not every overdraft fee that was charged is eligible for payment under this class action settlement.

Payments will be automatically credited to your U.S. Bank account or (if you no longer have that account) by check mailed to the address U.S. Bank has on file. There is no claim filing process.

More information on your rights in the U.S. Bank Overdraft Class Action Lawsuit Settlement can be found at www.USBankOverdraftSettlement.com. [Editor’s Note: this website was not yet active at time of publication.]

A Final Approval Hearing is scheduled for December 18, 2013.

UPDATE 1/2/14: The Settlement Administrator has posted the following update:

The Final Approval Hearing was held on December 18, 2013.  Following the presentations of counsel, the Court announced its intention to grant Final Approval to the Settlement, to award Service Awards to the twelve (12) named Plaintiffs, and to award Class Counsel attorneys’ fees equal to thirty percent (30%) of the Settlement Fund plus reimbursement of certain expenses.  The Court has not yet entered a Final Approval Order and Final Judgment.  This website will be updated again as soon as the Final Approval Order and Final Judgment are entered by the Court.

The case is In re: Checking Account Overdraft Litigation, Case No. 1:09-md-02036, in the U.S. District Court for the Southern District of Florida.


UPDATE: 2/20/14: The Settlement Administrator has posted the following update:

On January 6, 2014, the Court granted Final Approval to the Settlement, and on January 15, 2014, the Court entered Final Judgment.  In the event there are no timely appeals, the Effective Date will be February 24, 2014, and distribution of awards to eligible Settlement Class Members by account credit for current customers or by mailed check for former customers will occur no later than June 24, 2014.  This site will continue to be updated as specific dates and details regarding distribution become available.

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Please note: Top Class Actions is not a settlement administrator or law firm. Top Class Actions is a legal news source that reports on class action lawsuits, class action settlements, drug injury lawsuits and product liability lawsuits. Top Class Actions does not process claims and we cannot advise you on the status of any class action settlement claim. You must contact the settlement administrator or your attorney for any updates regarding your claim status, claim form or questions about when payments are expected to be mailed out.



  • Dana August 2, 2013

    In regards to unethical overdraft fees, my past bank did the exact same thing, which had a domino effect of chaos!
    I’m in Lafayette, Louisiana. The bank is Community First Bank.
    I had to close the account due to over $400 in overdraft fees
    That I incurred more then once!
    The bank did not put my direct deposit first, before the debits posted to my account the same day, which clearly shows the deposit coming in at midnight and the debits hitting early am, they even credited me a few times for some, but it became so out of hand, I even had fraud and forgery on the account which looks partly internal on Community First and Chase bank , who cashed over $5000 in fraudulent checks that were not endorsed or fingerprinted, 9 checks, each, $300 or more. I have all correspondence and police reports, all the bank printouts on the excessive overdraft charges, showing the money was accessible to pay all items. I also have photo copies of all the fraudulent checks that were made on a computer with my checking account number, also have affidavits from the bank, I got resistance from both parties
    And neither wanted to pursue charges on the culprit, I also incurred personal financial loss due to this matter, cause the account was frozen and I had no access to my money for up to 5 days!
    I sit frustrated and disgusted with the system, one teller I know personally sat in front of the computer looking at my account changing right before her eyes, things being shifted in the wrong chronicle order, so I printed each change every 60 seconds for a number of mornings, she even admitted who was “fooling in my account”, my loan officer!
    He dodged my request to talk to him till this day, I am now with Mid South Bank, but still owe community bank in access to $500 for their incompetence! They also drafted my car loan, which community bank hold the title, car loan was drafted from midsouthbank bank without our authorization, which caused overdraft fees on midsouthbank account!!!!!!!
    No one will give me solid concrete closure on this frustrating unethical behavior, I know something in all this mess is illegal, I have all the proof on paper!

  • deborah pipes August 5, 2013

    I still have my usbank account, but were charged over 600 dollars in In overdraft fee.

    • Jacquie December 19, 2013

      Yesterday was the day. Looking for the results. I was charge over $500 every two weeks!!! I should have a nice chunk, maybe?

  • Cathy Steele August 5, 2013

    I no longer have the account with U S Bank & I have also moved to Moreno Valley. Will the check be mailed to my new address in Moreno Valley?

  • jennifer domingo August 5, 2013

    I also had an account which is closed and I moved out of state, and am now moving overseas- how will they mail it to my current address????

  • B August 5, 2013

    I would like to know the answer to that question, too. There is a problem with the security code at the bottom of this page. I have enter that code every way there is. I have moved. How will you all notify those who no longer have an account and have moved?

  • Donna Italiano August 5, 2013

    What about in CA San Diego. I was charged 2 times and Charged for each check.

  • Marla Davis August 5, 2013

    I’ve had a checking account with US Bank since the late ’90s. I know that I’ve had plenty of overdraft fees from them, but don’t know when. Would I still be eligible to receive a settlement?

  • kirt August 6, 2013

    I have over 3000 dollars of over draft with us bank in tn over yr and half back in 2004 to 2006 let me know how much I get back

    • BG January 9, 2014

      I also had an account with US Bank from 2005-2008. I kept wondering how I was making so many mistakes in my checking acct. I’m so glad to know it wasn’t all me!
      Time to pay-up US Bank!!

  • william August 6, 2013

    where do i sign up? im sick of these thiefs

  • linda williams August 6, 2013


  • walter August 6, 2013

    I had a US Bank account for many, many years but they started charging these overdraft fees based on deposits applied last and higher amount checks first. I called them on it and they ignored me. I would like some of MY money back but if someone can stick to them for more, go for it. The company officers making these decisions should be have to pay also.

  • michael clomens August 6, 2013

    please send me information to file claim i have 3 active account’s with us bank

  • michael clomens August 6, 2013

    send information for claim

  • Diana B August 6, 2013

    You may want to contact the law firm of Chimicles & Tikellis at 610-642-8500 (atty Jessie Royer) or contact the US District Court for Southern District of Florida for additional info. More information will be mailed out soon to potential account holders who will be elgible for the funds.

  • Cynthia Egly August 9, 2013

    I use to have account with U. S. Bank. An they Charge me $700 over draft fee. That’s way too much.

  • Paulina Fuentes August 9, 2013

    the link for additional information http://www.usbankoverdraftsettlement.com goes to an account login page …. Do we have to wait to get a notice in the mail with the info or what’s going on? These theives took way too much money in overdraft fees from me and family members … Hence I closed my account with them. Can anyone help!

  • KITTY MARTENSON August 22, 2013

    Wish someone would answer these inquiries!! I need to put my name/former account into USBANK suit too,,,,,,I have a new address tho, please contact my email for it! THANKS

  • Tosha Flint September 8, 2013

    This Bank took funds illegally from me and had the nerve to bounce my account “they would do it “NOT ME” then charge me $7.00 a day for it being overdrafted.then take my SSA check which was my only income! Not legal
    3605700042 I no longer afiliated with the bank how do I get intouch with them?

  • hadassah September 12, 2013

    I had an account with US Bank around 2005 I don’t have it anymore . and since moved and yes there was over draft high fees where can I send my new address are you may have it on file the bank has the old address.

  • Vickie G Horner September 16, 2013

    I sure hope to recoop the monies that the hit me with the overdraft fees. They would take anything that was big for a debt 1st then the small oneswhich made them charge you more debt fees. Glad some one is putting this to a stop……

  • Harry Edwards September 16, 2013

    I hadaccount with US Bank in 2007 I was charged high fees with my checking account of $7.00 a day.in overdraft fees It’s about time us citizens got a break.Keep me posted !Thanks

  • Shannon McCall September 16, 2013

    They want money from me after they closed my account. I keep getting collection calls, I hope everything comes out ok for everyone. Keep me posted.

  • Evan Nichols September 16, 2013


  • Lisa Cline September 16, 2013

    I would like sent to me to file a claim.

  • LAD September 16, 2013

    They received over $500 from me! I didn’t want it on my credit report, so I paid it. And they were rude about it when I was paying the balance and closed the account.

  • hector l martinez September 16, 2013

    we have been charged over draft fee’s when we did’nt even use the card we pay everything back when were able to quickly. (it’s not right). we would like to get re-embersed if possible.

  • chris September 16, 2013

    need help the bank is a rip off

  • Rachel Lopez September 17, 2013

    I also have paid alot of fees over the past few years. I was trying to keep my credit good so I did not question..although it seemed that everytime I turned around I was paying extra fees.

  • vanessa myers September 17, 2013

    I would get my direct deposit on friday morning and would be able to use the atm get money out have a receipt from us bank atm showing available balance but then monday morning i was overdrafted for the atm usuage as well as hell of alot of other times. No longer with them.. funny though i remeber telling the branch manager someday your bank will be sued..

  • jim September 17, 2013

    I used to have an account with us bank then I went some where else cuz the charge for overdraft fees were ridiculus and I couldn’t afford banking there they shude pay me back the money it was a rip off

  • Steve September 17, 2013

    I think the Court should require them to change their name. I’m tired of a bunch of low life crooks sullying the name of our country in the name of profit. Bank of America, too. They should all be labelled as the parasites that they are (although, no one would do business with Parasite National Bank, NA).

  • clyde wilson September 17, 2013

    i left u.s. bank couse they kelp messing up my account an charging me for stuff that i did not know about .and then my account would go in to overdraft .

  • Christy September 17, 2013

    I thought I was going crazy when I started getting overdraft charges after having US Bank for years. They would give me a reason that didn’t make sense and when it was questioned they would act like I was just stupid. I guess they thought if you were that low on funds you weren’t worth their time.

  • Dennis peak September 17, 2013

    US Bank charged me overdraft fees for a closed account 721 dollars turned it over to collection agent and has been on my cr. report for over ten years destoried my cr. SO GLAD TO HEAR SOMEONE FIXING this US BANK has ruin ten years of my life and still shows up on my cr. report please help remove them

  • Sharon September 17, 2013

    I reported them in 2010 when they stole my money & charged overdraft fees on it.
    I would like to know how to get this off my credit report… I can’t open a account anywhere. This has cost me thousands in check cashing fees & it’s not fair.

  • guillermina rosales September 17, 2013

    Some company withdrew about $80 from account.I told usbank about it and when they investigated I was told I was not getting a refund because I didn’t protect my account.

  • w Libertucci September 17, 2013

    They owe me $ and all these yrs with it on my credit. i payed one $33 payment and somehow it turned into $99 and with in a few yrs turned into $400 +. I offered them have that to get off my credit back in 2006 and they rejected my offer. yes they are crooks.

  • Roger C. Allen September 17, 2013

    What if you no longer live at the address that US Bank has on file? I see that a direct deposit will be made into your account. I see that if you don’t have an account any more, a check will be sent to the address on file. Again, what if you no longer live at that address?

  • Melanie Edwards September 18, 2013

    Karma!!!! They did this to me a few times. I was on limited budget, these fees took my food/gas money. I did pay them all their fees, and went down and closed my account. I won’t even use one of their ATM’s they won’t get another penny from me. They are scammers and very dishonest, they posted higher amount and hit me with numerous small ones like the class action states. I hope I can recoop some of my money back. Love it that Karma might just happen here.

  • Dave Burneson September 19, 2013

    I remember once there was an overdraft and they back up overdraft charges on amounts that had previously been paid and it came to over $600.00 + dollars. What was maddening was charges were on paid amounts when there was a positive balance.

  • KAREN ROPER September 19, 2013

    i would love to be updated.

  • Nick Cain September 19, 2013

    They are still giving overdraft fees, I got one just the other day. It is highway robbery. I am so sick of them I may change banks.

  • Rebecca Vaughan September 20, 2013

    Oh yes, US Banks screwed me many times. Thousands of dollars. I was going through a clinical depression and balancing an account was not a priority. Self destructive..yes. However. I can remember sitting in their office and talking about the unfairness of this putting through the most expensive item first and the rest would bounce. Even if the most expensive was the last or later purchase of the day. I changed banks after over 10 years with them and have been very happy at WAMU which is now Chase. I also noted early on that banks would automatically sign you up for overdraft protection. I asked US Bank if it was not possible to just decline a debit card that didn’t have enough funds for the purchase. They said no at the time and I’m like “my God you have the technology on credit cards!!!” I realized the thieves banks were years ago. I now do NOT have overdraft protection at Chase..it doesn’t happen often and it is embarassing but for my style of money management it works. Thank you for pursuing this against US Skank. I don’t care how much money I get, it’s the principal. Again, Thank you!!


    Rebecca Vaughan

  • Alvin Hoselton September 20, 2013

    We noticed that and was told they could not do anything about it and would constantly charge me over draft fees there computers purposely done it that way is what I feel charged me thousands and finally I had to close my acct and find a different bank that bank broke me repeatedly I hope they are found at fault.

  • Cynthia Lane September 20, 2013

    I had an account with U.S Bank but i’ve closed my account because of the misalanous overdraft charges that they was charging me. Can you please send me information on how to file a claim.

  • Audrey September 20, 2013

    I just received 2 overdraft fees and not showing where I had any overdrafts, the funds were there so why did I receive any overdraft fees? Now from my first pay check I only have 146.00 left and still have two bills that add up over that and have 2wks to make it so I will receive even more overdraft frees on top of these. Where do I sign up to join this case I have been with this bank since 06 and just received the notice for the law suit.

  • Anthony September 21, 2013

    I was charged so much in overdraft charges($407.70) that I had 2 pay it back b4 I was allowed 2 change Banks. I was so upset how charges just kept on increasing on me.

  • Angela September 21, 2013

    I fall in this category…I still have my account with US Bank…..I cant Keep Count on how Many $35,00 Over Draft fees…over this period…….And yes I paid them…….I have direct deposit of my Federal Benefit, and soon as that posted, the over drafts ate it up

  • Tammy Crowley September 23, 2013

    I no longer bank with US Bank, and I think the address they have on file for me is a P.O. Box # that I no longer have. Is there a way I can change or update my address to my home address? Thank you.

  • Adeatra Daniels September 24, 2013

    I currently have 2 us bank accounts business/personal, and I have been charged an exorbitant amount of fees, is it to late for. Me tone included in the class action lawsuit? Thank you.

  • sherry rankin September 24, 2013

    This bank said I had to many overdrafts and cancelled me with no notice causing me to loose my burial insurance and bouncing my utility payments, I now have no burial I am 65 years old and not in good Health- I had that burial since the 1980′ s. Cannot get it back except at a very high price.

  • hector montes September 24, 2013

    i no longer have a us bank account how will i obtain payment

  • Peter N September 24, 2013

    My recently deceased son had a US Bank account that he had to close in protest, disavowing any further obligation to cover the negative balance that resulted from snowballing O/D fees. As far as I’m concerned, US Bank should renounce any claims to collect on this or similar protest abandonment debts as part of the settlement.

  • Deborah September 24, 2013

    I still have my account with US Bank and have been a customer since 2007 I had several $35 overdrafts that really caused me some problems, I would just like to have a refund of all of the overdrafts I paid

  • Nikki Koontz September 25, 2013

    Not only did the overdraft fees kill me. US Bank had a deal where you could get up to a $500 cash advance. I was so into debt due to the overdraft fees and kept taking out the cash advances which they allowed for way too long. It ended up being a huge mistake on my part.

  • Ozturk September 25, 2013

    I have just received a bank wire to my account and, US Bank charged me $20 for the bank wire! If I knew there is a fee for the bank wire to my account, I would give the sender different bank account other than US Bank.

  • Audrey September 25, 2013

    I really hope that the lawyers involved read this, I just hung up the phone with US Bank having to have yet another overdraft issue, I have refunded to me this time and the nice lady on the other end of the phone at US Bank, told me, THAT A COMPUTER POSTS THE TRANSACTIONS, so what does a computer do when it is told, it will post transactions from the largest to smallest, even with this settlement pending on them they are still using a computer to do the postings. If any of the attorneys that are involved read this, feel free to contact me to ask for the lady’s name, I am sure that in all the documents you have from us bank you will find my name and phone number. I have paid more than my fair share of overdraft fees since 2006, and yeah I will admit that maybe $300.00 of those were mine and my husbands due to needing the money so we over drew our account and did not complain about paying for the fees, we had no choice, but when we were smooth sailing and we get hit with overdrafts blindsiding us, then we have a huge problem, and have paid out over $2000.00 since 2006 when we opened the account. So like I said if any attorneys would like to contact me in regards to what I was told by a bank employee then feel free to contact me.

  • Mark George September 26, 2013

    $55 million minus 30% to the attorneys, divided by the approximate 1 million victims of the overdraft fees = $16.50 top end for each of us if it is split evenly. Since it won’t be split evenly we can see more or less. Sorry to bring everyone’s hopes down but that’s the reality. The only winners are the attorneys.

  • Terry Baker September 30, 2013

    I dont know if I am involved in this or not I got a card but can t figure it out I live in Wa state

  • Holly October 1, 2013

    I received a phone call today 9/30/13 at my place of employment on behalf of my daughter who was years ago charged $700 + $7 a day in overdraft fees. My husband & I deposited the money & she closed the account. When I went over her account she shouldn’t have been charged back then. But this woman I spoke with today said my daughter will be receiving papers to appear in court, that she owes $1,273 to US Bank and that she has restraining order against her that she is not to contact US Bank in any way. The woman was very rude & nasty not to mention embarrassing that she called my place of employment for my daughter. I explained to this woman that this was paid & she said good luck in court. Now my daughter is upset, my family is upset. What are these people doing?

  • Alissa Stafford October 3, 2013

    I was wondering how to change my address because the one us bank has on file isn’t where I live anymore.. I was told not to contact the bank about this so can someone help me get the right address on file. Thanks.

  • Elaine Harding October 4, 2013

    In one day I accrued over $500 in bank fees and closed my account that day. Extortion is the word I use to describe this practice. I will NEVER bank with US Bank again.

  • William October 7, 2013

    Terrible experience with US Bank. Will never use them again

  • Jerrod October 10, 2013

    I experienced this practice multiple times while in college from 2003-2007. I remember being extremely frustrated that this immoral practice was alowed to go on. I must say that I was fortunate a few times to have a portion of the fees reversed, however it was never all of them. I still bank with US Bank and am relatively happy with the service I recieve. I am glad that they are attempting to right this wrong that affected many people, most of whom were struggling during that time.

  • william lee dameron October 14, 2013

    I was taken more than once for the overdraft of a check when the money was in the account. I get paid once a month from SSI and that just don’t help when you have to keep paying overdraft chrges. My mother has been a customer with U.S. Bank for years and someone wrote alot of checks on her account and she was charged overdraft fees. They didn’t help her any about proving who wrote the checks , they were more interested in the overdraft fees.

  • Simon October 18, 2013

    I have had two issuses in the last two weeks and thay say they fix it and yet something else. Different say different things the they want you to pay for it. Its stressing me I live check to check.

  • Gary Shelton October 18, 2013

    Back in 2005-2006 I was with US bank, and I attempted to make a payment on my cell phone bill that was 150.00 and it was approved, It over drew my account and when I attempted to make a payment of 50.00 on the over draft charge the manager of the bank told me that it would be right back to were it was by the following Friday because they were charging me 7.00 a day in over draft charges. I made multiple attempts to stop the over draft from occurring but was never able to fix the problem. I am now receiving phone calls with threats 6-7 years later.

  • Raymond McKinley October 22, 2013

    I just paid a collection on a overdraft from 2009, it started with 9 overdraft and US Bank I owed the $125.00 but thy said I owe them $709.18 . I just got a letter today saying that I owe them 1863.75 Holy shit I said. so I called them and got it knock down to $800.00 the guy that I talk too told me about the lawsuit. and said that I should get some of the money back. It be nice to get some that I’m eating Roman for the next month now for paying this off.

  • Adriana Rodriguez October 23, 2013

    My dad had an account with US Bank, he would add a lot of money regularly and whenever he used some it was’t much, yet every time he would go check the account he had zero money so he had to add more. He always wondered what happened to the money. Finally one day he went to check the account again and his money was gone as always, he got tired of having his money vanish so he closed the account. At around 5 to 6 months later he got a notice saying he owed $300 to $500. He was surprised and didn’t know why he owed that. He recently got the Settlement note and said that all he wants is to get the dept erased or cancelled.

  • Joshua Carlson October 23, 2013

    I had a positive balance. I was down to 2.54 in my checking account. I was getting paid the next day. So I went to chevron and pumped 38.00 worth of gas so I could get to my commitment downtown. I knew I would get an overdraft charge of 36 dollars, or maybe my pay would clear in time to save me the charge. The next day they charged me OD fees for 4 transactions that I made earlier in the day when I had the balance to cover them and used the money that should have paid those transactions and paid the chevron bill. I was effectively robbed.

  • christina thomas October 23, 2013

    keep me updated

  • MARGARET LARISON October 25, 2013

    Keep me posted. They did this to me time and time again and I called and told them it was illegal. Cost me quite a bit of money that had they not done this I would not have been charged. I am glad someone has done this. I no longer have an account there.

  • Laurie Hale October 25, 2013

    Us Bank killed me in fees I cant even estamate.@ The rate they charged me no wounder. I am broke.

  • tsha October 26, 2013

    I was charged $800 dollars for over draft fees. I was put on the bad credit list and they took out money from my check because i was unable to pay for it. i was charge over draft fee back to back to back to back to back to back and it totaled over 800 bucks. i want all my money back, please? i went broke and my credit went bad too. will the lawsuit fix my credit?

  • Ed October 27, 2013

    I was actually told that “Uncle Sam” required them to pay charges from highest to lowest by the bank manager in Marion IL. She said it was so that rent checks and such are sure to go through before others. I KNEW IT WAS BS! I forgot to account an $80 dollar check one time and was hit with 9 OD fees, 3 per day was the max, most were for around $1 each from buying sodas at work. Almost my entire paycheck went to just paying the trumped up fees. I’d gladly give up my settlement if I was instead offered the chance to slap the hell out of that b@%^h that lied to me!

  • Krystle Thomas October 27, 2013

    I see if you get a check it will be mailed to the address U.S. bank has on file for,how do you know what address they do or how to give them the correct one

  • James Niles October 28, 2013

    These guys killed me on daily overdrafts too!! I think it was $7.00 a day, one day I checked my account and to my supprise I owed over $800.00!! There was no possible way to pay that with daily charges!! No one there would help me so I stood in their lobby and told everyone who walked in that they were scumbags and what they do, I’m very supprised I didnt get hauled off by the police, probably because they knew I was right, finally they got sick of me, took the few hundred I had, wiped out the rest as long as I kept my account, I agreed, closed it the next day.

  • TamalithaJones October 30, 2013

    I asked U.S bank to close my account so I would stop having overdraft fees and the told me they couldnt then we I got payed from work my check went direct to the bank and they took my entire paycheck then U.S. bank bill collectors still calls me to this day and tells me I owe them around $600 and I dont now how. the took my entire pay check and their was nothing I could do about it.

  • Kent L. Williams October 31, 2013

    U.S Bank has also ruin my credit even more when due to Overdraft fees they were charging me and have closed my account and has dumped my credit score down to low 400’s so now i can not get a regular checking account. Good it seemed they were doing that. Also I do believe they were posting over drafts fees before those like myself were receiving automatic deposites when account was check to check???????????

  • Brian Hoffman November 2, 2013

    My overdrafts fees added up to 8000.00 dollars! Seriously. 3000 was charged in 8 months time! Will I get any back from class action suit? They charged 3xs on same overdraft…..my complaints fell on deaf ears. As soon as my check deposited, it was gone, and the overdraft fees kept charging. I could not get out of account….went on for 4 years! No one cared! I wish the saying you reap what you sow were true…banks and bankers are vultures.

  • Patrica November 3, 2013

    US Bank tells me that I owe almost $100 for NSF on a SAVINGS account! What the heck?! And I am curious to see what my settlement amount will be…there were many times back while my husband was still alive that US Bank took entire paychecks for NSF fees that were “snowball effect” issues. And I asked numerous times why the larger amounts were being taken out before the smaller ones (which should have been posted earlier) and was always told that that was how the bank did it. I never understood why that bank felt the need to rob their customers this way! And I was called “irresponsible” by their bank managers several times…as if this practice was responsible! Or, maybe responsible for keeping the bank rich while it robbed their customers!

  • James November 4, 2013

    Wow, I took it personal when they overcharged me for i think around 700 dollars or more, i remember seeing my statement and each time it seemed it would have like 7 to 10 charges on it for -35 dollars each. It felt like lashes from a whip to see all those charges all together like that, i felt like i was being punished for something but i dont think i did anything wrong, i came up with all this money to cover the outstanding balance and then the lady called me too saying i owed more money, i said NO WAY!! went down, paid what ever it took to bring my account back to zero and then closed that account. I got a account at a different bank about 7 years ago when this all happened and the bank i am with now, nothing like this has ever happened. Hopefully we will get paid interest and extra for pain and suffering they caused. I always thought they just hated me and that was why they were doing that, I had no idea so many other people had the same experience. I guess they hate all of us. those were very hard earned dollars and i barely make enough to make it from month to month, it really hurt at that time to just loose all that money to the bank. this has got to be the worst bank on the planet, i highly recommend that no one start a account at this bank and if you do you do it at your own risk.

  • Melanie D November 5, 2013

    I used US bank 2004-06 Will never again use them, their
    fee,s were outragous. would like to be reimbursed.

  • Ben November 11, 2013

    They did this post debits high to low to me. It caused two overdraft fees of $35 each and then they charged me two overdraft fees of $35 each for overdrafting on the two overdraft fees. They then refused to close my account and proceded to charge me $8 a day until now a few years later they say I owe them $460 and I am on a banking blacklist (I can’t have a bank account until they get that money). I have suffered for years because of US Bank but I refuse to pay them money that I shouldn’t owe them and they finally have to pay for their mistreatment. I don’t care if I don’t get a check in my hand out of this but as long as everything I owe them is paid off by this lawsuit I will be happy and promptly open up an account anywhere that isn’t US Bank. What a horrible company.

  • Carrie Krouse November 12, 2013

    I had US Bank back in 2003-2008, I was in the military and deployed never using my card at all. And I would always end up having fees taken away for oddball reasons. Also, my bank account was hacked back in 08 when I finally I had enough. I had to pay over like 800 dollars in over draft fees for supposedly someone else using my card. But in the online banking, there was never any listing where I had overdraft fees or someone using my card. But US Bank still charged me my hard earned money. Ripp offs. I always tell people stay clear.

  • Penny Kelller November 13, 2013

    I absolutely hate this bank, back in 2004 a friend of mine asked if I could cash a check for her through the ATM. Well I figured I would deposit it and what ever they gave me back I would be eligable for, not,they gave me $300.00 back out of the machine and said it put me in over draft for that amount, now how are they gonna give me that money then overdraft my account, it cost at least $400.0 to straighten that out and me on SSI. Over the next few years I went with another bank just keeping this one open not even sure why and then about a year ago when my daughter was opening an an account with them I found out that after 20 something years they where going to start accessing a fee if I did not also have a savings account that they could transfer money in so I set it up but then nooo that was not good enough, they lowered it about 3 dollars but said if I did not have a direct deposit or keep so much money in the account I would get that fee. Needless to say I close the saveings account and only kept open the account because 5/3 has screwed over my significant other and he needs this account, not me I went to Huntington where they do not charge just cause they can, hopefully I can convince him to come with me cause us bank is out for themselves and to hell with us little guys. GOOD LUCK ALL< I HOPE WE GET WHAT IS COMING TO US. thanks for letting me vent

  • Teneka Ray November 16, 2013


  • Jennifer November 22, 2013

    I was at this bank as well back in 2003 and 2004 I ended up on the bad list of credit as well. I owed almost over $900’s..maybe more.. Ended up having to add it in my chapter 7 which was crap and when I would ask they said I bounced to many times and not keeping a close eye on my account and when I would ask what my balance was and double checking it it wasn’t matching..I tried fighting it but I owed it and needed to pay it back…Which sucked and wasn’t right….

  • Christina November 24, 2013

    I had $17,000 in an account with them. That amount one day vanished thanks to them. They said it was all my doing. It wasn’t. I didn’t receive a paycheck for a Month because of them. They took all that money from me and Still said I owed them $900. How many years later and a collection agency caught me. I am STILL paying for what They did To Me.

  • Cellette Gipson November 25, 2013

    I was charged an overdraft fee on my debit card and when I tried to close my account I was told that I had to wait 30 days meanwhile I was being charged overdraft fees until they decided to close my account .Year 2008 because of this I to was put on a list where I couldn’t open a bank account. My address is 637 Quebec St. Denver, Colo. 80220 Thank you

  • john cramer November 26, 2013


  • Christie Williams December 2, 2013

    please keep me updated! They ripped me off soooo many times. I DO NOT LIKE THIS BANK AND WILL NEVER GO BACK!!!!!

  • Natalie Nelson December 4, 2013

    I notice a lot of people are asking about how they can join the lawsuit. If you have not already received a postcard in the mail, then you are not on their list. Go to http://www.usbankoverdraftsettlement.com for more information.
    I too was screwed over by US Bank years ago.

  • Angela December 5, 2013

    Does anyone know when the cheks are gong to be sent out?

  • Susan Doyle December 5, 2013

    I was recieving my child support through US Bank also used to have an account with them. Problem is child support switched to Bank of America and I cant find my old card anywhere. So I dont know if money has been deposited on it or not

  • henderson r carroll December 16, 2013

    i had a checking and a credit card all on my account u guys granished my wages and i paid u guy off u guys took over 7000 dollars from me charges after charges i want intrest like u guy did to be plus i want intrest far back as the day u guys robbed be me money for over a 3 years time so that will be like percentage like u guys did me wrong and i want it to the day thank u and karma is a bitch dont it hurt your guys pocket book

  • mandy December 17, 2013

    I’ve had two accounts with u s bank one was direct deposit from my job which I got ripped for quite a bit over a 6 month period the second is a child support account which isn’t supposed to overdraft it’s like a pre paid debit card it over drafted and locked up for weeks over 10.00$ and I couldn’t pay the bills nor buy groceries without borrowing money until my account unfroze 5 weeks later. In the terms and agreements for that card was that when you hit zero it was just that and no more . I hope they switch banks and quick I don’t want my kids to go through that again

  • John Clark December 21, 2013

    When are the charges going to be send to accounts, or when is the check going to be sent. I had an account that was closed for that reason. It ended with the number of 2000 from a USBank account in Burlington Iowa. Sure hope these people get some since about what they did. I told them it was crazy the way they posted the accounts. Now are charging me Monthly Mainetance Fee like $6.95 plus tax. I guess they think that can get there money back by doing this. I guess you have to be millionaire to get no charges against your account. When live by check to check these overdraft fees suck, I think they owe about $2500.00 for there stupid mistake.

  • Chris December 27, 2013

    Any Idea when the payments will be deposited?

  • Chalie January 16, 2014

    Email info@usbankoverdraftsettlement.com, call them or send a physical letter to the address listed on their site. DO NOT POST YOUR INFO IN THE COMMENTS FIELD OF AN ARTICAL THAT WAS POSTED THROUGH A 3RD PARTY WEBSITE!! SERIOUSLY!

  • Helen January 21, 2014

    How do I find out if I have money coming to us? Where do I check it out at?

    • Shannon Heinz January 26, 2014

      I was a former customer at us bank had to switch banks because they kept charging me over draft fees when I had money in my account so I got feed up and switched accounts never ever had that problem with my new bank!!!!!!

  • Helen January 21, 2014

    write my e-mail

  • Shannon Heinz January 26, 2014

    I was a former customer at us bank had to switch banks because they kept charging me over draft fees when I had money in my account so I got feed up and switched accounts never ever had that problem with my new bank!!!!!!

  • TJ January 28, 2014

    When do we get reimbursement from USB ank! I paid too much lately…. Pls let me know ASAP…

  • Stac H January 30, 2014

    I recieved a post card from Us bank and it said we where for sure getting some $ from settlement. But I was wondering when they where gonna start sending checks out. And we dont have the same address anymore. Hope it will forward to us.

  • Anthony B Clifton January 30, 2014

    Ok I’m also out of alot of money that I had 2 pay back due 2 overdraft fees. I have moved but recieved the postcard so I can assume my address is on file I hope.

  • milinda March 30, 2014

    Has anybody been sent to collections by US BANK?? What happened and what did you do?? From December of 2007 to July 2008; I paid nearly $5000.00 in “overdraft fee’s” to US Bank. I stopped banking with them when I realized that there was no end in sight…. “extended overdrawn fee’s” on top of the overdraft fee’s, etc. My account was $800.00 overdrawn when I opened a new account with a new bank and just walked away from them…. Trust me… I have no bad feelings about it and if I was so bad with my checking account then how is it that I have had no problems since I left US Bank… 7 years ago…. But, now I am facing a collector in court who wants me to pay him the $800.00 that US Bank states that I owe them!!! HA!
    I received a check for $32.47 and I hope the hell that is what was left over after they paid themselves for the negative balance that I left them with. Does anybody have know where we can get more information as to how they figured our own personal settlement amounts? I would like to see a summary of how they came up with $32.47 out of the $5000.00 they stuck me for.

  • sandy May 6, 2014

    to: TOP CLASS


  • Peggy May 16, 2014

    There was an appeal filed in January so we all have to wait till it’s over and done with to get our settlement. Could be years the way the courts work, also the 55 mil, is only about 11% if what’s owed and the lawyer’s get 33% of that so indivually we would only get a fraction of what was stolen from us to begin with, don’t know what the appeal is about, but hopefully it’s for the full amount owed and not such a small percentage.

  • AngelaR June 21, 2014

    Has anyone received their settlement check yet? The above statements say they will be mailed by June 24th 2014.

    “UPDATE: 2/20/14: The Settlement Administrator has posted the following update:

    On January 6, 2014, the Court granted Final Approval to the Settlement, and on January 15, 2014, the Court entered Final Judgment. In the event there are no timely appeals, the Effective Date will be February 24, 2014, and distribution of awards to eligible Settlement Class Members by account credit for current customers or by mailed check for former customers will occur no later than June 24, 2014. This site will continue to be updated as specific dates and details regarding distribution become available.”

    Please update this post if you receive a check or direct deposit reimbursement, I would like to know if anyone with my similar treatment gets money back. I have been with US Bank for a few years now, and they consistently took out the larger dollar amount pending items prior to smaller amount items so that I would owe more overdraft fees. So, based on the circumstances, I should be receiving payment. I still have not received anything in the mail saying I was included in the settlement nor has my current US Bank account has not been credited.

    • AngelaR June 21, 2014

      Note: I have not received anything in the mail AFTER the final settlement was declared. I did receive the postcard stating I was within the applicable class period.

      • RAK June 26, 2014

        I also received a postcard last year stating I was within the applicable class period. To date, my account has not been credited nor have we received anything in the mail. It is now 2 days past the June 24 deadline.

  • DeeDee July 1, 2014

    Still nothing and it’s July 1st! This is ridiculous!

  • June July 9, 2014

    On January 6, 2014, the Court granted Final Approval to the Settlement, and on January 15, 2014, the Court entered Final Judgment. On January 30, 2014, a timely notice of appeal was filed. Therefore, the Effective Date is no longer the previously-referenced February 24, 2014. The Effective Date is now subject to the resolution of the appeal. We do not know how long the appeal process may take, nor are we able to offer specific details on the nature of the appeal; please be patient. This site will continue to be updated as specific dates and details regarding both the appeal and potential distribution become available.

  • Gina August 5, 2014

    It is August has anyone heard anything about the effective date of this final approval to the settlement yet?

  • Mark August 6, 2014

    According to the final draft of the settlement you can only receive a refund if you had 2 overdrafts in the same business day not the total number of overdrafts, also you will only be getting about 13% of your money back that you lost because the attorneys wanted to settle without going to court. So only the attorneys are going to benefit from this lawsuit because they sold out the claimants by not taking it to court to add insult to injury the law firms will be the first to be paid then whats left over will be distributed to the claimants. In other words don’t spend your valuable time worrying about how much your going to get back because you will be disappointed

  • susan August 27, 2014

    Go to http://www.usbankoverdraftsettlement.com for updates…last updated July 14th. New effective date was July 1st and deadline to have checks out/accounts credited is Oct 29th. Not expecting to get back everything I lost either.but the lawyers are sure going to get rich! Sadly, they’re as slimy as the banks when it comes to money…but hey, makes them look good though when they run for judge in the future… =/ hope this helped =]

  • susan August 28, 2014

    Actually it did go to court and the bank appealed…the judge in the appeals court threw out their appeal. Settlement was suppose to be for 55 million…attorneys getting 30% or so leaving approx 14 mil and there are 27000 claiments who qualify for a settlement. I cant be positive on the figures, but this is what I have found during my search for answers since receiving the post card last year….

  • Laura September 10, 2014

    I am also a victim of US Bank’s fraudulent practices. After looking into this case further I realize the likeliness of anyone receiving anything significant is slim to none. Comparing this case to other bank settlements, it is more likely that the majority of people won’t even receive an amount that will match the cost of ONE overdraft fee! On top of that…US Bank won’t even feel the sting from this settlement since they forced their insurance companies to pay for them (separate court battle). I don’t feel the satisfaction I should because not only is US Bank standing by the statement that they never did anything wrong, but they also aren’t losing any money and hurting from this. So many families, mine included, were hurt terribly due to this practice and they don’t care. I dislike big business so much. I’ll be closing my account and going with ba credit union once this is over.

  • susan September 12, 2014

    Distributions are scheduled to commence September 15th, 2014. For current account holders, account credits will be applied during the week of September 15th, 2014.  For former account holders, postcard checks will be mailed during the week of September 22nd, 2014.  Details regarding distribution may be found in the Frequently Asked Questions section of this website… http://www.usbankoverdraftsettlement.com

  • kevin September 16, 2014

    Have anyone received a check?

  • Debbie September 22, 2014

    I just googled us bank settlement overdraft and scrolled down to read the comments. I think the heading read U S Bank 55 million dollar settlement. It was a person named Tina..said she had a deposit for her settlement of $8.84. Posted on Sept. 19. I don’t see where anyone else posted anything.

  • Debbie September 22, 2014

    Looks like we’ve heard from 2 people now…this looks to be like some kind of joke or something. I don’t know how they could even refer to this as a settlement offer. This is ridiculous. I no longer bank with US Bank so my check should be here this week…can’t wait. LOL

  • Debbie September 24, 2014

    I received $6.51 today as my settlement offer.

  • Calet September 24, 2014

    Im still waiting for a check! U S Bank is full of SH#$!

  • Laverne September 26, 2014

    Well I must have paid a S!&# ton of money in overdraft fees cuz I got a check for $203.56, but then again I only used my ATM card and unfortunately was overdrawn alot because of this.

  • liz October 2, 2014

    Still no check :(

  • DT October 10, 2014

    Received checks dated 9/22/ 2014 payable to me $9.11, and one payable to my daughter for $2.60. Signed mine over to my daughter and told her to buy a couple coffees. I’m glad I didn’t jump through hoops for a payout.

    I closed both accounts because I couldn’t make sense of the overdraft fees, and never got a straight answer when I tried to have them explained. Direct deposits posted at the end of banking hours, when they should have posted 24 hours prior… It was an expensive mess, and still makes me feel sick to my stomach when I think about these thieves, and the amount of money they stole from me. Strange I haven’t had any problems EVER with my current bank.

  • Lance S. Padfield October 31, 2014

    I was told that the refund was to arrive here in california @ my address Oct 17th. Have not seen a thing. They caused me so much frustration& costed me greatly. How do i find what im receiving, where do i find these specific results ?

  • Lance S. Padfield October 31, 2014

    Who ever DT is above me in the comment collumn, very well said….

  • alice January 15, 2015

    i have moved since this time..am i still eligible???

  • Evelyn May 4, 2015

    I never received a check and sent a letter to the settlement administrator to get my check remailed, or resent to me and still havent received it. This is awful how thhe heck people get messed over and treated.

  • Joseph June 17, 2015

    could always start a new class action suet for not honoring there settlement to every one they screwed they did this to me for yours even holding off the balance showing positive available balance so I would think I had enough then they would drop the bomb on my head for hundreds of dollars they would over draft me like this at least once or twice a year, they also would refuse to block or stop money taken by places I said to stop taking money out of my account, treating me like I am a criminal for letting places free range on my money that they are suppose to keep safe, now they give me monthly charges for having an account with them, as they increased the direct deposit to an amount any one on ssi would have to pay for the account, and they did it without any contract written or implied of me agreeing to change my account so they could charge me

  • Megan Evanson February 18, 2016

    I have recently had the same thing happen to me. Now a collection agency has contacted me wanting to settle for half. Except I started taking screen shots on my phone from my online banking account. The banker I spoke to was looking at her computer and said her information did not match mine. She tired to tell me a 500 cash withdrawal came out after all this other stuff did even though i showed her my receipt said 8.00 am and the debit transactions showed nine pm. long story short they moved my stuff around and it then didn’t match my receipts available funds which were correct. I DIDNT KNOW THIS CLASS ACTION suit had been going on I said to the banker what they were doing is illegal. My rent never got paid because i then went neg. 1400.00 I my account wasn’t matching theirs she said when your direct deposit had gone into the bank I was already neg 1400. I said then why was all the us bank atms and online banking aps showing i was positive. I was able to pull out 800. dollars total off my card even though it was neg 1400. and not showing me Im not a lawyer but something seems wrong with this picture. not. . In out at least $4000.00 right now due to this. I went to us bank in different town to talk to someone. Cause I had a receipt showing when my deposit would be available. They ran my rent check though while leaving my 1800. deposit pending even though it said it would be posted to my account on my us ATM bank receipt said. So meaning available. My account was screwed up from july till i finally told my husband enough they are getting 300-500 every payday. Time to take your direct deposit somewhere else. I left the account and ignored there phone calls . I think something needs to be done about what they are still doing to people.

  • Joann Hafer April 24, 2016

    I am trying to find out if my check was cashed by my son and daughter-in-law while I was in a treatment program!

  • Carol August 2, 2016

    They keep doing it too even after this class action suit. They hold the deposits for so long that my checks bounce and I’m broke already. In this day and age of rapid technology, they can’t get a deposit in as fast as they take a debit out? Give me a break. It’s plain STEALING. It is nice that people before me get a settlement. Obviously it isn’t stopping them from stealing from consumers three years later. They think they are above the law and they know we are powerless. It’s still going on and since there’s no specific law that says they can’t, doesn’t sound like ethics to me! They call themselves an ethical company on their website and I fell for it. That’s certainly false advertising! I work hard for my money. I entrusted my bank to take care of it for me and they were the thieves. I am so disappointed. You can’t even trust your little retirement check to be safe. Sickening.

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