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    One of the most prominent personal injury law firms in the tri-state region, the Locks Law Firm is steadfastly committed to protecting the rights of seriously injured victims.

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  • Medical Malpractice and Nursing Home Abuse
    • Nursing Home Abuse and Neglect
    • Hospital Acquired Infections
    • Medication Errors
    • Misdiagnosis / Failure to Diagnose
    • Surgical Errors
    • Needle Stick - CRPS

    Medical malpractice is any act by a health care provider that deviates from accepted standards of medical care and results in the personal injury, disability, or wrongful death of a patient. Nursing home abuse or negligence can take many forms. It can include physical, sexual, and emotional abuse, neglect, negligent care, and even financial exploitation.

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    Exposure to toxic chemicals in the workplace or environment can cause serious, sometimes fatal health problems, including cancer.

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  • Catastrophic Personal Injuries
    • Premises Liability
    • Burns and Chemical Burns
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    Catastrophic personal injuries include brain and spinal cord injuries, severe burns, carbon monoxide poisoning and, most seriously, death.

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  • Dangerous Drugs & Devices
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    • Hernia Mesh
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    At the Locks Law Firm, our pharmaceutical litigation and defective drug lawyers are committed to serving personal injury victims and are well versed in the product liability laws that protect consumers.

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Locks Law Firm

Philadelphia, PA

(215) 893-0100

Cherry Hill, NJ

(856) 663-8200

New York, NY

(212) 838-3333

State College, PA

844-777-2529

Locks Law Firm

Philadelphia, PA

The Curtis Center
Suite 720 East
601 Walnut Street

Cherry Hill, NJ

801 North Kings Highway

New York, NY

675 Third Avenue | 8th Floor

State College, PA

1376 Haymaker Road

Locks Law Firm

Philadelphia, PA

[email protected]

Cherry Hill, NJ

[email protected]

New York, NY

[email protected]

State College, PA

[email protected]

Bank Overdraft Fees

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Practice Areas

  • Asbestos and Mesothelioma
  • Benzene
  • Birth Injuries
    • Cerebral Palsy
    • Shoulder Dystocia
  • Catastrophic Personal Injuries
    • Premises Liability
    • Burns and Chemical Burns
    • Traumatic Brain Injuries
    • Spinal Cord Injuries
    • Wrongful Death
  • Consumer Class Actions
    • Bank Overdraft Fees
  • Dacthal Herbicide Ban
  • Dangerous Drugs & Devices
    • Allergan Breast Implant Recall
    • Hernia Mesh
    • IVC Filters
    • NEC Baby Formula
  • Data and Systems Security
    • Ransomware
    • Data Breach
  • Defective Products
    • Agricultural and Industrial Machines
      • Backhoe Accidents
      • Bulldozer Accidents
      • Crane Accidents
      • Farm Tractor / Skid Steer Loader Accidents
      • Lawn Mower Rollovers and Accidents
      • Geysering
      • Tractor Accessory Accidents
        • Auger Accidents
        • Front-End Loader Accidents
        • Hay Baler Accidents
      • Riding Lawn Mower Accidents
      • Tractor Rollovers
    • Vehicle Defects
      • Airbag Failures
      • Child Restraint Defects
      • Crashworthiness
      • Roof Crush
      • Tire Failures
      • Vehicular Rollover
    • Home and Recreational Products
  • Environmental and Toxic Torts
    • Asbestos and Mesothelioma
    • Benzene
    • Chemical Exposure
    • Manganese Exposure
    • Natural Resource Damages
    • Toxic Injuries
    • Workplace Exposure
    • Dacthal Herbicide Ban
    • PERC Exposure
    • Paraquat
  • Medical Devices
  • Medical Malpractice and Nursing Home Abuse
    • Nursing Home Abuse and Neglect
    • Hospital Acquired Infections
    • Medication Errors
    • Misdiagnosis / Failure to Diagnose
    • Surgical Errors
    • Needle Stick - CRPS
  • Minimum Wage Violations and Failure to Pay Overtime
  • Motor Vehicle Accidents
    • Car Accidents
    • Bicycling Accidents
    • Bus Accidents
    • Drunk Driving Accidents and Dram Shop Liability
    • Motorcycle Accidents
    • Trucking Accidents
    • Railroad Accidents / FELA
  • NFL Concussion Litigation
    • NFL Head Trauma Litigation
  • Other Practice Areas
    • Appeals / Appellate Work
    • Carbon Monoxide Poisoning
    • Construction Site Accidents
    • Boy Scouts of America Abuse Claims
    • Vaccine Injuries
  • Premises Liability
  • Qui Tam (Whistleblower)
  • Talc and Ovarian Cancer

Overdraft fees are charged when a customer tries to make a purchase on a debit card or get cash from an ATM when they do not have enough money in their account to cover the transaction at the time, putting their account into a negative balance or overdraft.

The Consumer Financial Protection Bureau reported that in 2015: “The banks that reported consumer overdraft and NSF fee revenues for 2015 had a total of $3.87 trillion in consumer checking and savings account deposits..”

The confusion is that some banks provide overdraft protection without explicitly stating the terms.

For example, a customer might assume that they would be unable to complete a transaction on their debit card if the funds weren’t available in their account. When in reality, a bank approves the purchases and the customer is left with excessive overdraft fees.  While the amount charged for an overdraft fee depends on the bank the national average is  $35 per overdraft.

Not only can you be hit with an overdraft fee that is larger than the cost of the item you are attempting to purchase, but the number of  overdraft fees you can be charged varies from bank to bank, too. Some banks will cap the max fees and issue an overdraft one time per business day, regardless of the amount of attempts, while others can charge up to 7 times in a single day, potentially totaling up to $245 in overdraft fees in a single day.

According to a Consumer Protection Report published by the US Public Interest Research Group (US PIRG) in 2016:

"The 10 banks that collected the most overdraft revenue through the first three quarters of 2016, in order, were: Chase Bank, Wells Fargo, Bank of America, TD Bank, US Bank, PNC Bank, Suntrust Bank, Regions Bank, Branch Banking and Trust, and Woodforest National Bank."

 

These fees can also be charged by other financial institutions, like credit unions, and it is important to keep track of your accounts to avoid overdraft fees and make sure any fees that you are charged comply with terms of your agreement with the bank. 


 

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Locks Law Firm only provides legal advice after having entered into an attorney client relationship, which our website specifically does not create. Conversations that originate from website messaging, chat or other two way web based engagement  do not create an attorney client relationship. It is imperative that any action taken be done on the advice of counsel. Because every case is different, the description of awards and cases previously handled do not guarantee a similar outcome in current or future cases. The firm practices law in Pennsylvania, New Jersey & New York as Locks Law Firm. Super Lawyers, Best Lawyers in America and other organizations that rate attorneys are not designations that have been approved by the State Supreme Courts or the American Bar Association.