You can receive payment if you held a personal checking account at First Federal Bank of Kansas City. You must have paid a qualifying debit-card overdraft fee between Feb. 23, 2019 and May 5, 2026, according to the official settlement site. The lawsuit is Monk v.
First Federal Bank of Kansas City, Case No. 2416-cv04957 in Jackson County. It challenges debit-card overdraft-fee methodology. The bank agreed to pay $300,000 for a release without admitting liability, according to the settlement agreement copy published by EvilCorporations in the settlement agreement copy.
Official resources:
- Read the official notice from Website Files — Use this primary source to verify the official announcement.
- Read the official notice from Evilcorporations — Use this primary source to verify the official announcement.
Table of Contents
- Who Is Included?
- Which Fees Qualify?
- Do You Need to Submit a Claim?
- What Deadlines and Current Fees Matter?
Who Is Included?
The class includes current and former holders of personal checking accounts. It covers only personal accounts charged the challenged fees during the class period.
If you closed the account, you can still be included as a former holder. If you still hold an account, you are included as a current holder.
- Held a personal checking account at First Federal Bank of Kansas City
- Were charged a debit-card overdraft fee tied to the challenged method
- Fee occurred between Feb. 23, 2019 and May 5, 2026
Which Fees Qualify?
Only authorize-positive, settle-negative fees qualify. The settlement notice explains that the debit was authorized on sufficient funds but settled on negative funds in the same authorized amount in the settlement notice. For example, a $30 purchase is approved when your balance covers $30. The same $30 later settles when the balance is negative.
That pattern fits the qualifying definition. Other overdraft patterns do not fit. A debit approved when funds were already short is different. A debit that settles for a different amount is also different.
Do You Need to Submit a Claim?
You do not need to file a claim form to be paid. Doing nothing yields payment unless you opted out or are excluded, according to the official settlement site. Current checking customers receive payment as an account credit.
Former customers receive payment by check. An October 2026 OpenClassActions roundup reports that deductions for fees, service award, and administration come out first. Former customers should make sure the administrator has a current mailing address. Current customers should watch the checking account tied to the fee.
What Deadlines and Current Fees Matter?
The settlement notice set Aug. 3, 2026 as the postmark or filing deadline for opt-out requests and court objections. A late exclusion request may be rejected.
The bank's current fee disclosure is separate from settlement relief. That disclosure, effective Aug. 18, 2025, caps overdraft and NSF fees at three per day and lists a $25 overdraft fee. A new $25 charge under the current disclosure does not by itself prove a settlement-qualifying older fee.