Bank of America denied debit card and ATM fraud claims (EFTA) settlement
Kimberly Dennie, et al. v. Bank of America, N.A.
Also known as BofA; EFTA banking settlement; Electronic Fund Transfer Act; Dennie v. Bank of America
The lawsuit claimed Bank of America wrongly denied claims of unauthorized debit card and ATM transfers.
Copied from the official notice. Last compared Nov 7, 2026.
- You could get
- Equal share of $2M fund
Source
“Equal (pro rata) share of the $2,000,000 Settlement Fund”
From the administrator site: Official long-form notice, extended dates (PDF on official site). Last compared Nov 7, 2026.
- You need
- No receipt needed Unique ID from your postcard or email notice Quick claim: describes the claim form only
Source
“You can also submit a Claim Form online at www.EFTABankingSettlement.com by entering your Unique ID. ... Your Unique ID can be found on the postcard and/or email notice you received.”
From the administrator site: Official long-form notice, extended dates (PDF on official site). Last compared Nov 7, 2026.
- Who can file
- Had a BofA debit or ATM fraud claim denied, May 2023-July 2026
Source
“Excluded from the Settlement Class are (1) any judge presiding over this Action and members of their families; and (2) Defendant, its subsidiaries, parent companies, successors, predecessors, and any entity in which Defendant or its parents have a controlling interest and their current or former officers, directors, agents, attorneys, and employees.”
From the court record: Order Granting Preliminary Approval (Doc. 60, filed 07/14/26, on official site). Last compared Nov 7, 2026.
- Where
- Anywhere in the U.S.
Source
“All persons who submitted a claim or dispute to Bank of America concerning an electronic fund transfer related to a debit card or automated teller machine (ATM) transaction that the person claimed was unauthorized, which Bank of America denied from May 6, 2023, to the date of Preliminary Approval.”
From the court record: Order Granting Preliminary Approval (Doc. 60, filed 07/14/26, on official site). Last compared Nov 7, 2026.
- Time to file
- About 3 minutes
Source
Our estimate of how long the official claim form takes. The notice does not say.
From the official site: eftabankingsettlement.com. Last compared Nov 7, 2026.
Free. The official site never charges.
Quick answers
How much is the Bank of America denied debit card and ATM fraud claims (EFTA) settlement payout?
Equal share of $2M fund.
Where is the Bank of America denied debit card and ATM fraud claims (EFTA) settlement claim form?
On the official site, www.eftabankingsettlement.com. Filing is free. The last day to file is Dec 11, 2026.
When will the Bank of America denied debit card and ATM fraud claims (EFTA) settlement pay?
Payment can only happen after the court gives final approval and any appeals are over.
The final approval hearing is set for Jan 4, 2027.
Is the Bank of America denied debit card and ATM fraud claims (EFTA) settlement legit?
The settlement administrator (the company that handles claims) is Angeion, and the official site is www.eftabankingsettlement.com. Real notices point there; if a link in a message goes anywhere else, do not use it.
The official site never asks you to pay to file.
Compare yourself to the official class definition
You may be included if Bank of America denied your claim that a debit card or ATM transfer was unauthorized, May 6, 2023 to July 14, 2026.
You are not included if you are a judge on the case or a judge's family member, or a Bank of America officer, director, agent or employee.
Check each condition yourself. The boxes are only for you; nothing is sent or stored.
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.
From the court record: Order Granting Preliminary Approval (Doc. 60, filed 07/14/26, on official site)
This checklist is for guidance only and can be wrong. Only the court's definition decides. Read the official wording before you file.
How to file
-
Find the code from your notice
- Unique ID from your postcard or email notice
-
Gather what you need
No proof of purchase is required.
- A payment choice: PayPal, Venmo, Zelle or paper check
-
File online, or by mail
At www.eftabankingsettlement.com, by Dec 11, 2026. Filing is free.
Or mail a paper claim form 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
The deadline note says: “Online by 11:59 p.m. Eastern on December 11, 2026 to be safe: the notice says 11:59 p.m. EST but the website says 11:59 p.m. PT (filing online needs the Unique ID, which the website calls Claimant ID, from your postcard or email notice), or by mail postmarked no later than December 11, 2026.” -
Save your confirmation
Keep your confirmation number or email. You do not need to file again.
Confirm with the administrator before you act.
After you file
Payment can only happen after the court gives final approval and any appeals are over.
The final approval hearing is set for Jan 4, 2027.
For context: First payments were issued 52 to 875 days after final approval, based on 15 settlements. Half were paid within 119 days. 1 of the 15 waited on appeals after approval.
Also ending this week
Related settlements
Case details
- Case
- Kimberly Dennie, et al. v. Bank of America, N.A.
- Court
- United States District Court for the Western District of North Carolina
- Case number
- 3:24-cv-00454-MOC-DCK
- Administrator
- Angeion
- Official site
- www.eftabankingsettlement.com
- Settlement fund
- $2,000,000
- Full payout terms
- Equal share of a $2 million fund, after fees and costsEqual (pro rata) share of the $2,000,000 Settlement Fund after notice and administration costs, Court-approved attorneys' fees and costs, and a service award are deducted. Paid by PayPal, Venmo, Zelle or paper check, or as an account credit.
- Effort
- Easy, about 3 minutes
Other dates
- Opt-out (exclusion) deadline
- (ahead) source document
- Objection deadline
- (ahead) source document
- Final approval hearing
- (ahead) source document
The court’s exact words
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.
Quoted from the official notice. Read the notice for the full definition.
Our notes: Per the notice, the class is people who told Bank of America that an electronic fund transfer related to a debit card or ATM transaction was unauthorized and whose claim Bank of America denied between May 6, 2023 and July 14, 2026 (the preliminary approval order says 'to the date of Preliminary Approval'; the order was filed July 14, 2026). People who got a postcard or email notice are believed to be in the class. Excluded (order): the judge presiding over the case and family members, and Bank of America, its related companies and their current or former officers, directors, agents, attorneys and employees. The settlement releases only statutory damages claims: except for the named plaintiff, it does not release claims for actual damages from a denied claim. If one accountholder on a joint account opts out, all accountholders on that account are treated as opted out. Read the notice for the full definition.
Sources and checks (5)
Every fact people act on was copied from the official source and compared with it. How we check
- Official long-form notice, extended dates (PDF on official site) administrator site
- Official claim form (PDF on official site) administrator site
- Official settlement website home page administrator site
- Order Granting Preliminary Approval (Doc. 60, filed 07/14/26, on official site) court record
- Official settlement website FAQ page administrator site
What changedLast change Oct 26, 2026
- Page created. Claims open until December 11, 2026. source document
Questions
I already filed. What now?
Keep your confirmation number or email. You do not need to file again. Payment can only happen after the court gives final approval; once it does, the payment status page shows what is known.
Opting out
To leave the settlement and keep your right to sue on your own, follow the official notice by Nov 30, 2026. If you opt out, you get no payment. Opting out and objecting have separate rules; we cannot tell you which is right for you.