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Class action settlement

Bank of America $2M Debit Card & ATM Dispute Settlement

Proof or notice ID needed $2M Open for Claims

Last updated from the official settlement website (eftabankingsettlement.com). Re-checked .

Bank of America customers whose unauthorized debit card or ATM dispute was denied May 6, 2023 – July 14, 2026 can claim an equal share of $2M by Dec. 11, 2026.

Who qualifies and how to claim

What you could get

No per-person amount is given yet; it depends on how many people file.

Where the $2M goes an example from the limits the notice states

  • Lawyers, up to one-third: up to $666,667
  • The people who brought the case: up to $1
  • Running the settlement (notices, claims, payments): $93,487
  • Left to share among class members: about $1.24M

The court decides the final fees and awards and can give less than requested. What each person gets also depends on how many people file.

Pulled from the write-up below. The official settlement website and the court's documents have the final word.

Current Status

Claims are open. The claim deadline is December 11, 2026, for forms submitted online or postmarked by mail. The court granted preliminary approval on July 14, 2026, and the final approval hearing is now scheduled for January 4, 2027 at 11:30 a.m. Eastern Time. No payment date has been announced; payments come only after final approval.

Read the full details

What Changed Recently?

Bank of America, N.A. agreed to pay $2,000,000 to resolve Dennie v. Bank of America, N.A., a class action in the U.S. District Court for the Western District of North Carolina. The lawsuit claims the bank violated the Electronic Fund Transfer Act (EFTA) by improperly denying accountholders' claims of unauthorized debit card and ATM transfers, by not giving a sufficient written explanation for those denials, and by not providing, on request, the documents it relied on. Bank of America denies that it violated any law or did anything wrong, and the settlement is not an admission of wrongdoing. The court has not decided which side is right.

Judge Max O. Cogburn Jr. granted preliminary approval on July 14, 2026, which opened the claim period. That order originally set the final approval hearing for December 17, 2026. The settlement website and an updated notice labeled "Extended Dates" have since moved the schedule, and the website now lists the hearing for January 4, 2027. On October 22, 2026, class counsel filed their request for attorneys' fees, costs and a service award, and stated that no objections had been filed as of that date.

Who Qualifies?

The settlement class includes everyone who submitted a dispute or claim to Bank of America of an unauthorized electronic fund transfer related to a debit card or ATM transaction, where Bank of America denied that claim between May 6, 2023 and July 14, 2026. The class covers both current and former accountholders.

According to the notice, people who received a postcard or email notice addressed to them are the ones the parties believe may be in the class. The class definition is tied to a denied dispute, not to every unauthorized charge: a dispute Bank of America approved, or one denied outside that date range, is not described in the class.

Joint accounts follow a single rule. If one accountholder on an account opts out, every accountholder on that account is treated as having opted out, and no one on the account receives a payment or credit.

How Much Can You Get?

Each approved claim receives an equal (pro rata) share of the net settlement fund. The net fund is the $2,000,000 left after court-approved attorneys' fees and costs, notice and administration costs, and a service award to the named plaintiff. The share is calculated by dividing the net fund by the total number of approved claims, so the amount per person depends on how many class members file.

Class counsel have asked the court for $666,666.67 in attorneys' fees (one-third of the fund), $22,976.07 in litigation costs, estimated administration costs of $93,486.64, and a $5,000 service award. If the court approved all of those amounts as requested, roughly $1.21 million would remain to divide among approved claims. That figure is an estimate based on the requests, not an approved amount, and the settlement documents do not disclose how many people are in the class, so no per-person figure can be estimated yet.

Under the settlement agreement, current accountholders are paid by a credit to their Bank of America account, and former accountholders are paid by check. Checks are valid for 90 days. The claim form's payment section also lists PayPal, Venmo, Zelle and paper check options. Money from uncashed or returned checks goes to a court-approved cy pres recipient; none of the fund returns to Bank of America.

Bank of America also agreed to change the written explanation it sends to accountholders whose claims of unauthorized debit card or ATM transfers are denied.

Documents & history

The public record, word for word. Every line below is what the court or the settlement administrator published; we only add short notes on what each item means. The original document has the final word, and it is always one click away.

Official settlement website Court docket 3:24-cv-00454

64 court filings since May 2024, the latest on Oct 22, 2026, across 1 docket.

The story so far

Claims are open until Dec 11, 2026, 41 days left. The final approval hearing is on Dec 17, 2026.

Latest
Preliminary approval Granted Jul 14, 2026 · 4 months ago
Next
Opt-out deadline Nov 30, 2026 · in 4 weeks

Below is every step on record. The key moments come first; tap one to read about it, or pick a filter to see more. Read the graph left to right: each line is one place where things happen, the court and the settlement’s website, and the big labelled marks are the moments that matter. Tap one to read about it. Puzzled by a word? See court words, in plain English.

In courtcase 3:24-cv-00454Settlement website
May 2024JunJulAugSepOctNovDecJan 2025FebMarAprMayJunJulAugSepOctNovDecJan 2026FebMarAprMayJunJulAugSepOctNovDecJan 2027Today5 monthsMay 6, 2024 · Update from the settlement: Case filed: 3:24-cv-00454 Dennie v. Bank of America, N.A.May 6, 2024 · Court filing about the lawsuit: Complaint filed (3:24-cv-00454)Dec 2, 2025 · Court filing about the settlement: Case Settlement Notice (ECF 47)Jun 19, 2026 · Court filing about the settlement: Settlement (ECF 59)Jul 14, 2026 · The judge ruled on the settlement: Order on Motion for Settlement (ECF 60)Oct 22, 2026 · Court filing about attorneys' fees: Attorney Fees (ECF 64)Jul 14, 2026 · The judge ruled on preliminary approval (Granted): Preliminary approval grantedNov 30, 2026 · Deadline coming up: Deadline to opt outDec 11, 2026 · Deadline coming up: Claim deadlineDec 17, 2026 · Court hearing scheduled: Final approval hearingJan 4, 2027 · Court hearing scheduled: Final approval hearingPreliminary approvalOpt-out deadlineClaim deadline
  • A decision by the judge
  • A date to know
  • Money paid out
  • A request to the judge
  • Paperwork or an update
  • Still to come
  1. Preliminary approvalJul 14, 2026 · Settlement website
  2. Opt-out deadlineNov 30, 2026 · still to come
  3. Claim deadlineDec 11, 2026 · still to come

Coming up 4

  1. DeadlineDeadline coming up

    Deadline to opt out

    Settlement websiteSee the record
    In plain English

    A date by which class members must act: file a claim, opt out (leave the settlement) or object (tell the court what is wrong with it).

  2. DeadlineDeadline coming up

    Claim deadline

    Settlement websiteSee the record
    In plain English

    A date by which class members must act: file a claim, opt out (leave the settlement) or object (tell the court what is wrong with it).

  3. HearingCourt hearing scheduled

    Final approval hearing

    Settlement websiteSee the record
    In plain English

    A court hearing. At a final approval (fairness) hearing the judge hears any objections and decides whether to approve the settlement for good.

  4. HearingCourt hearing scheduled

    Final approval hearing

    Settlement websiteSee the record
    In plain English

    A court hearing. At a final approval (fairness) hearing the judge hears any objections and decides whether to approve the settlement for good.

Today, Oct 31, 2026

October 2026 1 event

  1. PaperworkCourt filing about attorneys' fees

    Attorney Fees (ECF 64)

    In courtSee the record
    In plain English

    A paper filed with the court. The wording above is the court’s own.

July 2026 2 events

  1. Judge’s decisionThe judge ruled on the settlement

    Order on Motion for Settlement (ECF 60)

    In courtSee the record
    In plain English

    This is the judge’s decision, so it is official.

  2. Judge’s decisionThe judge ruled on preliminary approval Granted

    Preliminary approval granted

    Settlement websiteSee the record
    In plain English

    This is the judge’s decision, so it is official. The judge said yes to the request. The judge took a first look at the deal and let it go ahead: notices go out and claims can open. It is not the final decision.

June 2026 1 event

  1. PaperworkCourt filing about the settlement

    Settlement (ECF 59)

    In courtSee the record
    In plain English

    A paper filed with the court. The wording above is the court’s own.

December 2025 1 event

  1. PaperworkCourt filing about the settlement

    Case Settlement Notice (ECF 47)

    In courtSee the record
    In plain English

    A paper filed with the court. The wording above is the court’s own.

May 2024 2 events

  1. PaperworkCourt filing about the lawsuit

    Complaint filed (3:24-cv-00454)

    In courtECF 1See the record
    In plain English

    A paper filed with the court. The wording above is the court’s own.

  2. UpdateUpdate from the settlement

    Case filed: 3:24-cv-00454 Dennie v. Bank of America, N.A.

    In courtSee the record
    In plain English

    News published by the settlement or the court, such as a new settlement, a changed date or a payment update.

Documents

Notices to class members 3

The court-approved notice that tells class members who qualifies, what the settlement pays, the options and every deadline. Start here.

Court orders 20

The judge’s decisions. An order is what makes something official: approving the settlement, setting dates, awarding fees.

Settlement filings 1

Papers filed with the court about the settlement: proposals, reports and supporting documents.

Complaints 2

The papers that started the lawsuit and say what the company is accused of. Accusations, not findings.

Court filings come from the court's public docket through the free RECAP archive; official documents from the settlement administrator's own site. Other dates come from the official settlement site and the summary above. We show the record as published and do not interpret it for your case. Nothing here is legal advice. Last checked Oct 29, 2026.

Where this information comes from

Court words, in plain English What words like “motion” or “docket” mean. You never need them to file a claim.
Attorneys’ fees money

What the lawyers for the group ask to be paid for bringing the case. It comes out of the settlement fund, and the judge decides the amount, often less than asked.

For example: The lawyers asked for a quarter of the fund in attorneys’ fees; the judge decides how much they get.

Claim form what you fill in

The form you send to get your share of the settlement, online or by mail. Filing one is free.

For example: Send the claim form before the deadline, or you may not be paid.

Class member you, probably

Anyone who fits the group the settlement covers. If you qualify, you are a class member, even if you never heard of the case before.

For example: If you bought the product during the years the notice lists, you are likely a class member.

Class certification a decision

The judge agreeing that one case can speak for a whole group of people in the same situation.

For example: After class certification, the case went ahead for all the customers, not only the two who sued.

Docket /DOK-it/ the court’s record

The court’s diary for a case: a numbered list of every paper filed and every step taken, in order.

For example: The judge’s order was added to the docket on May 20.

ECF number /E-C-F/ a page number

ECF is the courts’ online filing system (Electronic Case Filing). "ECF 233" is item 233 on the case’s docket; "ECF 213-1" is the first attachment to item 213.

For example: A settlement agreement filed as ECF 251 is the 251st item on that case’s docket.

Final approval hearing a date

Also called the fairness hearing: the day the judge listens to anyone with concerns, then decides whether the settlement is approved for good.

For example: The final approval hearing is usually the last big date before payments go out.

Motion a request

A formal "please" to the judge: one side asks for something, like more time or approval of the deal. Nothing changes until the judge answers.

For example: The lawyers filed a motion to extend the claim deadline.

Object /ob-JECT/ your choice

Staying in the settlement but telling the judge what you think should be better. You can still be paid.

For example: If you think the fees are too high, you can object before the deadline.

Opt out your choice

Choosing to leave the settlement. You get nothing from it, but you keep your right to bring your own case.

For example: If you opt out, you will not get a payment from this settlement.

Order a decision

The judge’s answer, and the part that counts. "Granted" means yes, "denied" means no, "granted in part" means yes to some of it.

For example: An order granting the motion means the judge said yes.

Preliminary approval /pre-LIM-in-airy/ a decision

The judge’s first "this looks fair enough to move ahead". Notices go out and claims open, but it is not the final say.

For example: After preliminary approval in June, the claim form went online.

RECAP /REE-cap/ a source

A free public library of federal court papers run by the non-profit Free Law Project. The court documents on this page link to its copies.

For example: We found the judge’s order in the RECAP archive.

Service award money

A small thank-you payment to the people who brought the case on everyone’s behalf (the class representatives). It comes from the fund and the judge decides it.

For example: The two people who started the case each asked the judge for a service award.

Settlement administrator a company

The company that runs the claims for the court: it sends the notices, checks the claims and mails the payments. Questions about your claim go to them.

For example: The settlement administrator mails the checks once the judge approves the deal.

Unopposed /un-uh-POZED/ a word in requests

Both sides agree on the request, so it usually goes through smoothly.

For example: An unopposed motion to move a deadline is almost always granted.

Bank of America in the news

The newest US news about Bank of America, newest first. News reports, not the settlement's official notice, and not always about this settlement.

  1. BAC Investors Have Opportunity to Lead Bank of America Corporation Securities Fraud Lawsuit prnewswire.com · and 4 other outlets
  2. BAC Investors Have Opportunity to Lead Bank of America Corporation Securities Fraud Lawsuit with SBS Law prnewswire.com
  3. Bank of America Corporation Sued for Securities Law Violations - Contact the DJS Law Group to Discuss Your Rights prnewswire.com
  4. BAC INVESTOR ALERT: Bank of America Corporation Investors with Substantial Losses Have Opportunity to Lead the BAC Securities Class Action prnewswire.com · and 2 other outlets
  5. White Bank of America executive faced discrimination and was forced to resign while caring for his ill mom, bombshell lawsuit claims dailymail.com
All 39 stories about Bank of America →