Published
April 10, 2024
Updated
October 22, 2026
Chase customers who were charged returned-deposited-item fees on checks that bounced through no fault of their own were the subject of a 2024 proposed class action, Maslowski v. JPMorgan Chase Bank. The court sent the claims to individual arbitration, and the case was voluntarily dismissed in August 2026 with no class settlement and nothing to claim.
$5M Chase Bank Bounced Check Fee Proposed Class Action Lawsuit
A proposed class action lawsuit has been initiated by a cohort of JPMorgan Chase patrons against the bank, aiming to secure no less than $5 million in damages. The class action lawsuit claim asserts that the bank levied unwarranted charges when they deposited checks that bounced, even if it was by no fault of the Chase customer. Despite the checks' dishonor not being their fault, the bank still debited these fees from their accounts. These patrons have labeled these charges as "junk fees" for returned checks, denouncing them as "unconscionable" and "predatory." Other banks, including TDBank and Bank of America have also been previously investigated for similar bounced check fees.
Status
Dismissed — No Settlement
sent to arbitration 2025 · voluntarily dismissed August 28, 2026
Estimated Payout
Varies
complaint seeks at least $5 million in damages
Proof Required
N/A
nothing to claim at this stage
This lawsuit underscores the broader concern surrounding undisclosed and unexpected charges across multiple sectors, particularly in banking. The Biden administration has advocated for stricter regulations to tackle such fees, which reportedly accumulate to billions of dollars annually for American consumers.
The case is formally titled Maslowski et al v JPMorgan Chase Bank NA, and it has been filed in the U.S. District Court, Southern District of New York. Previously, Chase was involved in a similar massive $67 million open class action lawsuit over predatory ATM fees. The ATM bank fee settlement paid out the $67,000,000 settlement fund in 2023 and involved three of the top consumer banks in the United States: JPMorgan Chase, Wells Fargo, and Bank of America.
Case Update: Sent to Arbitration, Then Dismissed
The case, Maslowski v. JPMorgan Chase Bank, N.A., No. 7:24-cv-01277, was filed February 20, 2024 in the U.S. District Court for the Southern District of New York and assigned to Judge Cathy Seibel. Chase moved to compel arbitration under its deposit account agreement. At a bench ruling on January 22, 2025, the court granted that motion as to most of the named plaintiffs, and on May 30, 2025 it granted it as to the last remaining plaintiff, staying the case for all plaintiffs pending individual arbitration.The court then directed Chase to report every six months on the arbitrations. On August 28, 2026, the parties filed a stipulation of voluntary dismissal, according to the docket. No class was certified, no class settlement was filed, and there is no claim form. Because the claims were sent to individual arbitration, any outcome for the named plaintiffs would not create a payment for other Chase customers.
There is no open Chase overdraft or returned-check fee class settlement as of October 22, 2026. Chase’s best-known overdraft settlement, a $110 million deal over the order in which debit transactions were posted, received final approval in 2012 and is long closed.
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