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Settlement information last updated on November 19, 2014:

Phase II Distribution: November 19, 2014

On May 5, 2014, the Court entered an Order approving a distribution of the remaining Settlement funds to certain identifiable Settlement Class Members. Specifically, the Order directs that this distribution be made (1) to those identifiable Settlement Class Members for whom the Settlement Administrator has a current valid mailing address; and (2) who participated in the initial distribution from the Settlement by either receiving an account credit or cashing the mailed check they received from the Settlement; and (3) whose additional distribution, based upon the provisions in the Order and the formula in the Settlement Agreement, is at least $5.00.

The Settlement Administrator mailed the additional distribution checks on November 19, 2014, to the Settlement Class Members meeting the above requirements.

Please note: These checks have an issue date of November 19, 2014, and will become void after 60 days, on January 20, 2015. After January 20, 2015, these checks cannot be deposited or cashed. If you receive a November 2014 check from this Settlement, please cash or deposit it immediately.

If you have questions regarding check reissues or this additional distribution, please visit the Frequently Asked Questions page on this website.


                    If You Paid Overdraft Fees to JPMorgan Chase, N.A.,

       You May be Eligible for a Payment from a Class Action Settlement.

A $110 million Settlement has been reached in several class action lawsuits about the order in which JPMorgan Chase, N.A. (“Chase”) posted debit card transactions to consumer deposit accounts, and the effect the posting order had on the number of overdraft fees the bank charged its account holders.  Chase maintains there was nothing wrong about the posting process used.  The Court has not decided which side is right.

Current and former holders of Chase consumer deposit accounts may be eligible for a payment or account credit from the Settlement Fund.

Settlement Fund payments also may be available to holders of certain consumer deposit accounts with Bank One (which Chase acquired in 2004).  Chase acquired certain deposit accounts of Bank of New York (“BoNY”) in 2006, and Washington Mutual Bank (“WaMu”) in September 2008. This Settlement applies to any overdraft fees charged to those accounts after they became Chase-owned accounts.  This Notice refers to all of these accounts as “Chase” accounts.

The Settlement offers payments or account credits to people who paid overdraft fees as a result of Chase posting debit card transactions in order from highest to lowest dollar amount between January 1, 2003 and March 29, 2010.

                     Your legal rights are affected whether you act or don’t act.  Please read this notice carefully. 

Summary Of Your Legal Rights And Options In This Settlement

Get A Payment or Account Credit Automatically

If you are eligible for a payment or account credit for overdraft fees charged between January 1, 2005 and March 29, 2010 (or between April 1, 2007 and March 29, 2010 for holders of Chase accounts that formerly were BoNY accounts), you do not have to do anything to receive a payment or account credit.  Your payment or account credit will be made automatically if the Court approves the Settlement and it becomes final.

Submit a Claim Form

By submitting a Claim Form, some Settlement Class Members will be eligible to receive payments based on overdraft fees charged between October 2, 2006 and March 31, 2007 for holders of Chase accounts that formerly were BoNY accounts, or between January 1, 2003 and December 31, 2004 on other Chase accounts.

Exclude Yourself

Get no benefits from the Settlement.  This is the only option that allows you to participate in any other lawsuit against Chase about the claims in this case.


Write to the Court if you don’t like the Settlement.

Go to a Hearing

Ask to speak in Court about the fairness of the Settlement.

Do Nothing

You will still receive any automatic payment or account credit to which you are entitled, and you will give up your right to participate in further litigation against Chase about the claims in this case.

  These rights and options—and the deadlines to exercise them—are explained in this Notice.  The Court in charge of this case still has to decide whether to approve the Settlement.  If it does, and any appeals are resolved, benefits will be distributed to those who qualify.  Please be patient.


Please do not contact either Chase or the Court with questions about this Settlement. Any and all callers will be directed to this website. If you have questions, please refer to the FAQs and the other information posted here or contact the Settlement Administrator by emailing, calling 1-877-552-1296, or writing to Chase Overdraft Settlement, P.O. Box  8041 Faribault, MN 55021-9441.

This site is not operated by Chase. This class action Settlement is supervised by the Court and is administered by an administration firm that handles all aspects of claims processing. Chase is not authorized to respond to questions from members of the Settlement Class regarding the Settlement.

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