Open for claimsBanking / unauthorized transfersBank of America EFTA settlement: claims due December 11, 2026
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Bank of America, N.A. has another settlement — see all Bank of America, N.A. settlements.
If Bank of America denied your claim about an unauthorized debit-card or ATM electronic fund transfer between May 6, 2023, and July 14, 2026, you may qualify for this settlement. Submit a valid claim online by 11:59 p.m. Pacific Time on December 11, 2026, or mail a signed claim with a postmark by December 11.
The proposed $2 million settlement fund covers equal payments or account credits for valid, timely claimants after approved fees, expenses, administration costs and a service award. Individual amounts are not fixed. Bank of America denies wrongdoing, and benefits depend on court approval.
Key facts
- Settlement fund
- $2 million gross fund; deductions apply
- Payment
- Equal share of the net fund for valid, timely claims
- Claim deadline
- December 11, 2026: online by 11:59 p.m. Pacific or mailed postmark
- Denial period
- May 6, 2023–July 14, 2026
- Claim requirements
- Eligibility certification, signature and claimant/payment details
- Court case
- Dennie et al. v. Bank of America, N.A., No. 3:24-cv-00454-MOC-DCK; Western District of North Carolina
Official settlement administrator: EFTA Banking Settlement Administrator
Evidence for key facts
These excerpts record what official sources said when checked. Open a fact to see its source and supporting passage. Follow the source for the latest information.
Claim statusChecked
No Settlement benefits will be provided unless the Court approves the Settlement.
Official settlement homepageHomepage: settlement approval
Claim statusChecked
To be eligible for a payment or account credit, you must submit a timely and valid Claim Form.
Official EFTA settlement FAQFAQ 5, Option 1
Who qualifiesChecked
You are a member of the Settlement Class if you submitted a dispute or claim to Bank of America of an unauthorized electronic fund transfer(s) related to a debit card or ATM transaction and Bank of America denied that claim between May 6, 2023, and July 14, 2026.
Official EFTA settlement FAQFAQ 4, complete class definition
Who qualifiesChecked
If an Account has more than one Accountholder, and one Accountholder opts out, then all Accountholders on that Account will be deemed to have opted out of the Settlement with respect to that Account, and no Accountholder will be entitled to a payment or credit under the Settlement.
Official EFTA settlement FAQFAQ 5, Option 2
Payment and benefitsChecked
Bank of America has agreed to provide $2,000,000 (the Settlement Fund) to fund (a) payments or Account credits to Settlement Class Members who file a valid and timely Claim Form; (b) any award of attorneys’ fees, costs, and expenses; (c) settlement administration costs; and (d) a service award to the named Plaintiff in this lawsuit.
Official EFTA settlement FAQFAQ 3, Monetary Relief
Payment and benefitsChecked
Settlement Class Members who submit timely and valid Claim Forms will receive a pro rata (meaning equal) portion of the Settlement Fund, after the deduction of costs of notice and administration, any Court-approved attorneys’ fees, costs, and expenses, and any Court-approved Service Award to the Plaintiff.
Official EFTA settlement FAQFAQ 5, Option 1
Proof requirementsChecked
I submitted a claim to Bank of America that an electronic fund transfer related to a debit card or ATM transaction on my Bank of America account was unauthorized, and Bank of America denied my claim between May 6, 2023, and July 14, 2026.
Official claim instructionsOfficial claim instructions and certification
Proof requirementsChecked
By signing this form, I attest that, to the best of my knowledge, the following information is true and correct:
Official claim instructionsOfficial claim instructions and certification
Proof requirementsChecked
You can submit a claim by signing the Claim Form you receive in the mail, carefully tearing at the perforation, and putting the Claim Form in the mail.
Official EFTA settlement FAQFAQ 5, Option 1: paper route
Claim deadlineChecked
Online Claim Forms must be submitted by 11:59pm PT on DECEMBER 11, 2026.
Official EFTA settlement FAQFAQ 5, Option 1, whitespace normalized
Claim deadlineChecked
If you submit a Claim Form in the mail, it must be postmarked no later than DECEMBER 11, 2026
Official EFTA settlement FAQFAQ 5, Option 1, whitespace normalized
Claim deadlineChecked
2026-12-12T07:59:59.000Z
Official EFTA settlement FAQOfficial claim deadline calendar value; FAQ 5 states 11:59 p.m. Pacific Time.
Payment and benefitsChecked
If you have an open Bank of America account and would like your settlement payment credited directly to that account, please select "Account Credit" below.
Official claim instructionsOfficial claim payment selection
Who qualifiesChecked
Except with respect to the named Plaintiff in this lawsuit, the Released Claims exclude any claims for actual damages based on or related to Bank of America’s purported improper denial of a claim of unauthorized electronic fund transfer(s) for debit card or ATM transactions.
Official EFTA settlement FAQFAQ 6: released claims
Who qualifies
- You submitted a dispute or claim to Bank of America about an unauthorized electronic fund transfer related to a debit-card or ATM transaction.
- Bank of America denied that claim between May 6, 2023, and July 14, 2026. The date of the denial is the relevant period stated in the official class definition.
- A postcard or email notice means the parties believe you may qualify; it is not a substitute for meeting the class definition. The official FAQ does not state a separate state-residency restriction.
- You must submit a valid, timely claim to receive a payment or account credit. If you validly exclude yourself, you cannot receive settlement monetary benefits. If an account has multiple accountholders and one opts out, the FAQ says all accountholders on that account are excluded with respect to that account.
How to claim an EFTA settlement payment
- 1
Check the denied transaction and your notice
Confirm that the dispute involved an unauthorized debit-card or ATM electronic fund transfer and that Bank of America denied the claim during the stated period. The official FAQ directs online claimants to use the Claimant ID on their postcard or email notice.
- 2
Complete and sign the official claim
Provide your claimant/contact information and payment selection. Certify that you submitted an unauthorized debit-card or ATM transfer claim that Bank of America denied during the class period, confirm your information is true and correct, and sign the claim. Follow any instructions from the administrator.
- 3
Submit online or mail by December 11
Submit online by 11:59 p.m. Pacific Time on December 11, 2026. To file by mail, sign the mailed claim form and send it to Dennie, et al. v. Bank of America, N.A., ATTN: Claim Forms, EFTA Banking Settlement Administrator, 1650 Arch Street, Suite 2210, Philadelphia, PA 19103, postmarked no later than December 11. Call 1-888-274-4284 to request a form.
- 4
Keep your address current
Tell the administrator if your address changes so a mailed payment can reach you. Payment depends on a valid claim and court approval; check the official website for updates.
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Frequently asked questions
How much will I receive?
The official FAQ describes equal shares of the net settlement fund for valid, timely claims. The $2 million gross fund also covers approved fees, litigation expenses, administration costs and a service award, so it is not all distributed directly to claimants. No fixed individual payment is promised.
What does the claim require?
The public online claim form asks for claimant/contact details, payment selection, an eligibility certification and a signature. You certify that Bank of America denied your unauthorized debit-card or ATM transfer claim during the class period and confirm the information is true and correct. Follow the official form and any administrator instructions; this is not a guarantee against further verification.
Do I receive money automatically?
No. The official FAQ says a valid, timely claim is required for a payment or account credit. Doing nothing means no settlement payment while remaining bound by the settlement if it becomes final.
Can the payment go to my Bank of America account?
The official form offers account credit if you have an open Bank of America account and choose that option. It also provides other payment choices. Follow the current official form to select an available method.
What is the deadline?
Online claims must be submitted by 11:59 p.m. Pacific Time on December 11, 2026. Mailed claims must be postmarked by December 11, 2026. These are different filing methods with the same stated calendar date.
Does this settle every claim about my disputed transaction?
The settlement releases the statutory-damages and injunctive-relief claims described in the official notice. Except for the named plaintiff’s separate release, the FAQ says it preserves actual-damages claims based on Bank of America’s alleged improper denial of unauthorized debit-card or ATM transfer claims. Read the official release before deciding whether to participate.
Is the settlement finally approved?
The official website describes a proposed settlement that still requires final court approval. No benefits will be provided unless the court approves it. No calendar payment date is confirmed.
Sources and official records
Consult these records for the official terms and current updates. ClaimBee's summary helps explain the settlement; the administrator and court documents determine the claim requirements and benefits.
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