Excessive Overdraft Fees and NSF Fees: Who’s Affected?

Were you unfairly charged overdraft fees and/or non-sufficient funds fees (NSF fees) by any of the financial institutions listed below?

These banks and credit unions may be engaging in deceptive practices related to overdraft fees and/or NSF fees.

Although overdraft fees and NSF fees are not illegal, many bank and credit union customers have filed class action lawsuits alleging that the financial institutions where they bank are taking advantage of them by charging excessive and repetitive overdraft and NSF fees.

What Can You Do?

If you were charged an overdraft fee and/or NSF fee by one of the financial institutions listed above you may qualify for a free class action lawsuit claim review.

The attorneys working with Top Class Actions will investigate your claim to determine if these banks and credit unions are engaging in deceptive practices and abusing their power over consumers by charging multiple fees and excessive charges at ATM machines. 

If you qualify, an attorney will contact you for a FREE case evaluation.

What Are NSF and Overdraft Fees?

Non-sufficient fund (NSF) fees are charged when a low account balance causes a transaction or check to be rejected. 

NSF fees are also sometimes referred to as “returned item fees.” If you attempt to make a withdrawal at an ATM or see a “non-sufficient funds” notice on your bank statement, you have attempted to withdraw more money than is actually in your account. 

In these situations, the bank or credit union can refuse to let the payment go through, and then charge the customer an NSF fee.

Overdraft fees are similar in that they are fees charged on transactions made with low account balances, according to Investopedia — however, the key difference is that overdraft fees are charged after the financial institution actually allows the transaction to go through. It then charges a fee in exchange for allowing that transaction. 

Overdraft fees cannot legally be charged in most cases unless the consumer has first voluntarily opted into their financial institution’s overdraft protection program. 

In summary, according to Investopedia, banks charge NSF fees when they return presented payments, such as checks, and overdraft fees when they accept checks that overdraw the customer’s checking account.

Read more: How Many NSF Fees Can A Bank Charge?

Is There a Limit on NSF and Overdraft Fees?

NSF fees are capped under state laws, limiting the amount a consumer can be charged for a single NSF fee, according to Wallet Hub. In several states, that cap is at $20, $25, or $35. Delaware and Mississippi are two of the states with the highest flat limits, at $40 per fee. 

In some states, such as Florida or Georgia, certain NSF transactions are limited to a percentage of the bounced check amount rather than a flat fee.

Overdraft fees also vary widely, but are typically around $35, Nerdwallet reports. Some individual banks and credit unions cap the number of fees that can be charged per day, while others do not — at some banks, the total amount of fees accrued within a day can reach up to $228.

Excessive NSF and Overdraft Fees

Unfortunately, consumers at a number of financial institutions may be facing excessive NSF and overdraft fees. 

These kinds of fees generate considerable profit for banks and credit unions, with consumers paying $34 billion in overdraft fees alone in 2017, according to Forbes.

Banks and credit unions may also be charging multiple NSF fees on the same transaction after attempting to process a charge multiple times in a row.

With both overdraft and NSF fees, a fee of $35 or so that gets charged multiple times in a row can quickly lead to fees of more than $100 for a single overdrawn or failed transaction.

Lake City Bank, Kearny Bank, and several others are all under investigation for potentially engaging in unfair or improper NSF or overdraft fee practices.

In a similarly filed lawsuit, Bethpage FCU was hit with litigation over its allegedly unfair and excessive fees. The suit alleged Bethpage wrongfully charged its users overdraft fees in instances when they should not have been charged as a result of an “accounting gimmick.”

Join a Free Overdraft and NSF Fee Class Action Lawsuit Investigation

A growing number of consumers are coming forward with complaints that their banks are using unfair practices to incur the highest amount of NSF or overdraft fees possible for a single transaction. Unfortunately, excessive fees like these will most often and most significantly hurt the Americans who can least afford it, especially at a time when many are out of work and struggling to make ends meet.

If you have been charged an overdraft fee or NSF fee by one of the financial institutions listed above, you may be able to join a free class action lawsuit and pursue compensation. Filing a lawsuit can be a daunting prospect, so Top Class Actions has laid the groundwork for you by connecting you with an experienced attorney. Consulting an attorney can help you determine if you have a claim, navigate the complexities of litigation, and maximize your potential compensation.

The qualified attorneys that work with Top Class Actions are highly experienced in filing class action lawsuits. Fill out the form below to be connected with an attorney and find more about how you can take action for excessive overdraft and NSF fees.

Get Help – It’s Free

Fill Out the Form Below to Join this Overdraft Fees Class Action Lawsuit Investigation

Fill out the form below for a free case evaluation. If you qualify, a lawyer will contact you to discuss the details of your potential case at no charge to you.

If you believe you were charged improper overdraft fees or NSF fees by a bank or credit union not listed on this page, check out our other potential lawsuit investigations:

  • The law firm responsible for the content of this page is: The Kick Law Firm, APC
  • We tell you about cash you can claim every week! Subscribe to our free newsletter today.
    The attorney in charge of this advertisement is T.Kick of The Kick Law Firm, APC.
    By checking this box, I consent to receive marketing text messages from Top Class Actions sent by an automatic telephone dialing system. I consent to Top Class Actions providing my phone number to the lawyers or their agents sponsoring this investigation, and I consent to receive marketing calls and text messages from those lawyers or their agents. You may opt out at any time. You can review Top Class Actions’ Terms and Conditions and Privacy Policy here.
  • This field is for validation purposes and should be left unchanged.

E-mail any problems with this form to:



The choice of a lawyer is an important decision and should not be based solely on advertisements.

Counsel responsible for this advertisement includes Taras Kick at:

The Kick Law Firm, APC


Top Class Actions is not a law firm, lawyer referral service, or prepaid legal services plan. We do not endorse or recommend any third-party claims processing company, lawyer, or law firm who participates in the network. We do not make any representation, and have not made any judgment, as to the qualifications, expertise, or credentials of any participating lawyer or processing group. No representation is made that the quality of the legal services or claims processing to be performed is greater than the quality of legal services or claims processing performed by other lawyers or claims processing group. The information contained herein is not legal advice. Any information you submit to Top Class Actions does not create an attorney-client relationship and might not be protected by attorney-client privilege. Instead, your information will be forwarded to an attorney or claims processing firm for the purpose of a confidential review and potential representation. You should not use this website to submit time-sensitive, confidential, or privileged information, as Top Class Actions or the participating attorneys may be ordered by a court of law to produce your information in certain legal situations. All photos contained on this website are of models and do not depict clients.