Claims from Citizens Bank Customers Cite Unfair Overdraft Fees

Complaints state Citizens Bank’s opt-in agreement is unclear

Overdraft fees charged by banks often disproportionately affect low-income individuals and those living paycheck to paycheck. They exploit the most financially vulnerable, exacerbating their struggles and perpetuating a cycle of debt. The opaque nature of overdraft policies and the lack of clear communication from banks make it difficult for consumers to understand and manage their finances effectively, further compounding the problem. McCune Law Group, (MLG) is accepting qualified clients to bring overdraft fee claims against Citizens Bank. Their allegedly unclear overdraft opt-in agreement may have resulted in unfair charges to their customers. If you are a Citizens Bank customer who was charged an unfair overdraft fee in the past year, see if you qualify to join the growing number of customers bringing claims!

Clients will not be charged by MLG – win or lose.

Make a Claim

Have you been charged an overdraft fee unfairly by Citizens Bank?


    NOTE: Only personal (consumer) Citizens accounts qualify for this arbitration action. Therefore, please be sure that all answers to the following questions pertain only to the activity in your personal account, not your business account.



    Thank you for taking time to answer our questions. Unfortunately, your account must have incurred an overdraft fee on an ATM or debit card transaction within the current year to qualify for this action. If that changes, we will reach out to you to see if you are interested. We wish you great success. Have a wonderful day!



    Unfortunately, proof of an overdraft fee is a requirement for joining our Mass Arbitration action at this time. If that changes, we may reach back out to you to see if you are still interested. In the meantime, please feel free to reach back out if you find that you are able to obtain proof of an overdraft fee after all.
    Thank you for considering McCune Law Group. We wish you great success. Have a wonderful day!


    Thank you for taking time to chat today. Unfortunately, if an account was closed due to a negative account balance, we are not able to include it in this arbitration action. If that changes, we may reach back out to to see if you are interested!
    Thank you for considering McCune Law Group for your legal needs. We wish you great success. Have a wonderful day!



    Thank you for taking time to answer our questions. Unfortunately, you do not qualify at this time. Have a great day!


    Thank you for your submission. McCune Law Group is actively investigating several banks and credit unions to determine whether arbitration against these institutions is advisable. If our team determines that your bank or credit union membership makes you eligible for arbitration, we will reach out with any questions we may have about the specific fees you were charged and to discuss the next steps required for McCune Law Group to proceed with filing on your behalf.



    Please note that McCune Law Group will be unable to represent you unless an agreement is signed setting forth the terms of our representation. Thank you for your interest in joining the thousands bringing arbitrations with McCune Law Group! We hope to serve you soon.



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    Citizens Bank Faces Claims of Unfair Overdraft Fees

    McCune Law Group (MLG), is accepting claims against Citizens Bank over company overdraft practices that have allegedly unfairly charged customers.

    Citizens Bank is a successful chain of banks operating mainly in the Northeastern United States. The company boasts more than 1,000 branches and over 3,000 ATMs in 11 states, bringing in $128 billion in revenue. MLG believes Citizens Bank’s overdraft opt-in agreement contains outdated language that misleads consumers regarding when and how they will be charged overdraft fees.

    What Are Overdraft Fees?

    Overdraft fees are charges imposed by financial institutions when an account holder spends more money than is available in their account, thus overdrawing it. These fees can be incurred through various transactions, including debit card purchases, ATM withdrawals, checks, and electronic transfers. Essentially, overdraft fees function as a penalty for failing to maintain a positive account balance. The cost of overdraft fees can vary depending on your bank and the type of account you hold. Typically, these fees range from $20 to $35 per transaction, and they can quickly add up if multiple transactions occur while the account remains overdrawn. Additionally, some banks may impose daily or monthly caps on overdraft fees, while others may charge extended overdraft fees if the negative balance is not promptly resolved.

    Frequently Asked Questions

    How much are overdraft fees charged by Citizens Bank?

    Citizens Bank overdraft fees typically amount to $35 per occurrence, though the exact fee may vary depending on the type of account and specific circumstances. When an account lacks sufficient funds to cover a transaction, Citizens Bank may allow the transaction to proceed and levy an overdraft fee. It’s crucial for customers to review their account terms and fee schedules provided by Citizens Bank to understand the exact amount they may be charged for overdrafts and to explore strategies for minimizing or avoiding these fees.

    Yes, Citizens Bank may consider waiving or reducing overdraft fees under certain circumstances. If you believe the fees were charged in error or if you’re experiencing financial hardship, it’s advisable to contact Citizens Bank’s customer service and explain your situation. They may be willing to review your account and, in some cases, refund or waive overdraft fees as a goodwill gesture, especially if it’s a first-time occurrence or if there are extenuating circumstances.

    Yes, Citizens Bank can charge overdraft fees on various types of transactions that result in an account being overdrawn. This includes debit card purchases, ATM withdrawals, electronic bill payments, checks, and any other transactions that exceed the available balance in the checking account. It’s essential for account holders to be mindful of their account balances and transaction activity to avoid triggering overdraft fees.

    Citizens Bank typically notifies customers about overdraft fees through various channels, including online banking, mobile apps, email, and physical mail. Account holders may receive alerts or notifications when a transaction results in an overdraft, along with details about the associated fees. Additionally, customers can access their account activity and fee information through their online banking or mobile app dashboard, where overdraft fees are clearly listed.

    Yes, customers can request a refund for overdraft fees from Citizens Bank under certain circumstances. If you believe the fees were charged in error or if you’re experiencing financial hardship, you can contact Citizens Bank’s customer service to discuss your situation. They may be willing to review your account and consider refunding or waiving overdraft fees, particularly if it’s a first-time occurrence or if there are extenuating circumstances.

    Yes, Citizens Bank offers alternatives to traditional overdraft fees, including overdraft protection and overdraft lines of credit. With overdraft protection, customers can link their checking account to a savings account, money market account, or line of credit. If an overdraft occurs, funds are automatically transferred from the linked account to cover the deficit, potentially avoiding overdraft fees. Overdraft lines of credit provide a line of credit specifically for covering overdrafts, with interest charged on the amount borrowed.

    Ignoring or not paying overdraft fees charged by Citizens Bank can have various consequences. If the fees remain unpaid, Citizens Bank may continue to assess additional fees for each subsequent day that the account remains overdrawn. Additionally, unpaid overdraft fees can negatively impact your credit score and may result in restrictions on your account, such as the inability to open new accounts or obtain credit. In some cases, Citizens Bank may pursue collection efforts to recover the unpaid fees, which could include contacting you directly or selling the debt to a collection agency.

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    Arbitrations Against Citizens Bank Over Unfair Overdraft Fees

    Overdraft fees generate millions in profits every year for banks. Arbitrations allow customers to bring claims against banks even if they’ve signed away their right to bring a class action. You may qualify if:

    • You are a current Citizens Bank customer
    • You have been charged an overdraft fee on a debit card purchase within the past year

    Overdraft Fee Claims Against Citizens Bank | McCune Law Group

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    Who is Eligible to Recover Overdraft Fees From Citizens Bank?

    MLG is representing Citizens Bank customers who have been victimized by unfair overdraft fees. You may be qualified to join this arbitration if:

    • You are a current Citizens Bank customer.
    • You currently have a positive account balance.
    • You have been charged an overdraft fee on a debit card purchase at least once in the past year.

    What is the Claims Process Against Citizens Bank?

    Following some very expensive class actions, banks nationwide have turned to arbitration clauses in their agreement paperwork to protect themselves from pricey payouts to consumers. When signed, arbitration clauses force customers to bring any claims against banks like Citizens Bank via arbitration. This takes place privately outside of court. MLG has decided to represent wronged Citizens Bank customers in arbitration to recover overdraft fees. If you qualify, our firm will represent you in the arbitration hearings at no charge to you – win or lose.

    What is the Arbitration Process Like?

    Arbitration is a private form of dispute resolution in which a claim is brought outside of a courtroom. Rather than a judge, an arbitrator will hear both sides of the argument, decide who is the winner, and will determine the award amount. Each side is encouraged to retain an attorney for the best results. If you choose to retain MLG as your legal representation in your unfair bank overdraft fees lawsuit claim, we will defend your rights in arbitration at no cost to you. All costs will be charged to your bank if the arbitration is successful.

    How You can Join Our Arbitration or Lawsuit Over Overdraft Fees: 

    The Financial Services attorneys at McCune Law Group are pursuing mass arbitrations on behalf of BMO Bank customers who have been charged unfair bank and overdraft fees. If you have been charged an unfair overdraft fee recently, here is how you can join our arbitration: 

    1. Set up your free consultation: Once you’ve submitted the contact form, a representative from McCune Law Group will reach out to you to schedule a free consultation. This initial meeting is an opportunity for you to discuss your case briefly and understand how the firm can assist you in your case.
    2. Meet with our class action team of attorneys: : Attend the scheduled consultation either in person or virtually, depending on your preference and location. You will be introduced to the team of attorneys who will be handling your case. This is a chance to get to know the legal professionals who will be advocating for you.
    3. Discuss your potential case: During the consultation, share the details of your case matter with the attorneys. Provide any relevant documents, evidence, or information that can help them understand the merits of your case. Be open and honest about your situation, and feel free to ask any questions you may have about the legal process. 
    4. File your arbitration claim and request an arbitrator: After a thorough discussion of your potential case, the attorneys will draft and file your claim against your bank or financial institution outlining your issues and requesting an arbitration begin. An impartial arbitrator will be assigned to your matter and will hear your attorney’s argument and the defendant’s rebuttal privately before making a ruling. During this time, it’s vital to provide any additional documentation you may be asked for and to maintain contact with your attorney.

    Financial Services Attorneys Ready to Serve You

    McCune Law Group is committed to fostering a culture of corporate accountability within the banking industry. We have recovered over a billion dollars in verdicts and settlements, across our practice areas. Whether it’s defending against predatory lending practices, pursuing cases of deceptive advertising, or fighting against unfair debt collection tactics, our Financial Services Attorneys are committed to leveling the playing field for consumers. By offering comprehensive legal representation, we help individuals facing financial challenges navigate complex legal processes, seek fair compensation, and regain control over their financial well-being.

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    McCune Law Group, is responsible for this solicitation. The information provided on this website is for general information purposes only. The information you obtain is not, nor is it intended to be, legal advice. Use of this website or submission of the online form does not create an attorney-client relationship.

    Counsel Richard McCune is licensed to practice only in the state of California. The law firm of McCune Law Group, has attorneys licensed to practice law in AZ, CA, IL, MO, NJ, NY and PA. This information section is not intended to be a solicitation for services in states where it is forbidden for non-barred attorneys from advertising for services, and McCune Law Group, does not have attorneys barred in that state. McCune Law Group, is a national firm that brings lawsuits in a majority of the states. In states where one of its attorneys are not barred, it does so by filing the complaint along with local counsel barred in that state.

    The results discussed do not guarantee, warrant, or predict the results in future cases. 

    Case Results

    $35 Million

    Class Action

    National class action settlement for unfair overdraft fees

    $70 Million

    Class Action

    A national class action settlement for unfair overdraft fees

    $203 Million

    Class Action

    Trial verdict in a class action for unfair bank overdraft fees

    Overdraft Fee Claims Against Citizens Bank | McCune Law Group

    About Us

    McCune Law Group, (MLG) has a long history of success holding banks and credit unions accountable for their unfair or illegal practices, including a $203 million verdict against Wells Fargo itself. The Financial Services attorneys of MLG believe big banks should never be able to just take their customers’ hard-earned money when they are not legally entitled to collect overdraft fees.

    The Attorneys of McCune Law Group