Elaine Ward-Howie v. Frontwave Credit Union

Credits to Current Accountholders were issued on October 11, 2024 and check payments to Past Accountholders were issued on October 21, 2024.

The lawsuit is on behalf of current and former members who were purportedly improperly assessed APPSN Fees between April 29, 2018, and June 30, 2022, and Retry Fees between January 4, 2019, and June 30, 2022.

“APPSN Fees” mean Overdraft Fees that Defendant charged and did not refund on signature Point of Sale Debit Card transactions where there was a sufficient available balance at the time the transaction was authorized but an insufficient available balance at the time the transaction was presented to Defendant for payment and posted to the account.

“Retry Fees” mean Returned Item Fees and Overdraft Fees that were charged and not refunded during the Retry Fee Class Period for Automated Clearing House (ACH) and check transactions that were resubmitted by a merchant after being returned by Defendant for insufficient funds.

Defendant does not deny it charged the fees the Class Representative is complaining about but contends it did so properly and in accordance with the terms of its agreements and applicable law. Defendant therefore denies its practices give rise to claims for damages by the Class Representative or any Settlement Class Members but is settling to avoid expense and distraction resulting from the litigation.

You are a member of the Settlement Class if you received a Notice because Defendant’s records indicate you were charged one or more APPSN Fees and/or Retry Fees that are the subject of this Action.

These rights and options—and the deadlines to exercise them—are explained further in the Notice and on the Frequently Asked Questions (FAQs) page of this website. For complete details, please see the Settlement Agreement, which is available here.