Midland States Bank Overdraft Fees Settlement: $3.1M
Were You Charged Overdraft or NSF Fees on a Midland, Alpine, or Centrue Bank Account?
Did you hold a checking account with Midland States Bank, Alpine Bank & Trust Co., or Centrue Bank and were charged overdraft or nonsufficient funds fees between April 8, 2012, and April 30, 2022?
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Claim Form
Click Here to Submit a ClaimWho's eligible?
Illinois personal checking account holders in one or more of the following categories:
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Alpine APSN Fee Class: Charged APSN fees between April 8, 2012, and Feb. 28, 2018
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Alpine Retry Fee Class: Charged retry NSF fees between April 8, 2012, and Feb. 28, 2018
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Centrue APSN Fee Class: Charged APSN fees between April 8, 2012, and June 12, 2017
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Midland APSN Fee Class: Charged APSN fees between April 8, 2012, and April 30, 2022
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Midland Fees-On-Fees Class: Charged overdraft fees that followed other fees between April 8, 2012, and April 30, 2022
Proof of Purchase
None required. Payments will be calculated automatically based on bank records.
Settlement At a Glance
Settlement Amount
Varies
Claim Form Deadline
09/10/2025
Exclusion Deadline (Opt-Out)
08/11/2025
Final Approval Hearing
09/10/2025
Additional Information
Midland States Bank has agreed to pay $3.1 million to resolve allegations that it and its predecessors, Alpine Bank & Trust Co. and Centrue Bank, improperly assessed overdraft and nonsufficient funds (NSF) fees on personal checking accounts. The lawsuit claims that customers were charged fees even when their accounts showed sufficient funds at the time transactions were authorized, and that they were later charged additional fees when the same transactions were reprocessed or followed by new fees.
Plaintiffs also objected to “fees-on-fees,” a practice in which customers incurred additional overdraft charges due to earlier fees, and to multiple NSF fees for the same transaction attempt.
Though Midland denies the allegations, it agreed to the settlement to avoid further litigation.
Under the Terms of the Settlement
Eligible class members will automatically receive a proportional share of the $3.1 million based on how much they were charged in improper fees. No claim form is required. Payment amounts will depend on the number of class members and the fees they paid.
The settlement also includes subclasses based on which bank issued the charges and the specific type of fee, such as APSN fees, retry NSF fees, or compounded fees. Each eligible group is clearly defined and will be paid out according to the fees they incurred.
Account holders are not required to take any action unless they wish to exclude themselves from the settlement.
Think you might have a case? If you believe you've been affected by a similar situation, browse our list of Class Action Lawsuits and Open Class Action Settlements you may be able to join!
Stay Informed
Class Action Settlement Website:
https://garciabankfeessettlement.com/Claims Administrator:
P.O. Box 301172
Los Angeles, CA 90030-1172
833-419-5090
Legal Representation
Case Name:
Class Counsel:
COHEN & MALAD LLP
Sophia Gold
KALIEL GOLD PLLC
Jonathan M. Streisfeld
KOPELOWITZ OSTROW P.A.
Marty Schubert
STRANCH, JENNINGS & GARVEY PLLC
Defense Counsel:
BARACK FERRAZZANO KIRSCHBAUM & NAGELBERG LLP
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