NBT Bank Overdraft and NSF Fee Settlement

Settlement Structure: Claims Made

Active: Open

Case Summary:

NBT Bank, NA is paying more than $4 million to settle a class action alleging it charged customers certain improper overdraft (OD) and non-sufficient funds (NSF) fees, including APPSN (Authorize Positive, Purportedly Settle Negative) fees and Retry fees. The complaint alleges that NBT breached its account agreements and violated consumer protection laws when it did this.

Docket Number:


Company: NBT Bank NA

Filing Deadline: January 1, 2100

Class Period: December 4, 2013 to November 30, 2021

Objection Deadline: August 30, 2022

Exclusion Deadline: August 30, 2022

Final Approval Hearing: September 29, 2022

Proof of Purchase:

You do not have to provide proof or submit a Claim Form.


You may be eligible if you had or have a checking account with NBT Bank and you were charged certain overdraft or NSF fees, between December 4, 2013 and November 30, 2021. If you received this notice, NBT Bank’s records indicate you are a class member.

Typical Settlement Amount:

Payment based on the number of APPSN or Retry fees paid, or forgiveness of these fees if they were not paid. Current account holders will receive payment in their accounts; former account holders will be paid by check.

Total Settlement Amount: $4,250,000 for payments; $1,497,792 in forgiven fees

Class Representative Proposed Incentive Fee:


Law Firms:
Cohen & Malad
Kaliel Gold PLLC

Case Name: Lowe et al. v. NBT Bank, N.A.

Settlement Website: NBT Bank Overdraft and NSF Fee Settlement Website

Claims Administrator:
Epiq Class Action & Claims Solutions, Inc.

Claims Administrator Contact Information:

Lowe et NBT Bank Settlement Administrator
P.O. Box 5478
Portland, OR 97228-5478

Tags: APPSN Transactions, Insufficient or Non-Sufficient Funds Fees, More Than One Fee Assessed on a Single Item/Transaction, Overdraft Fees, Your Bank