The claim deadline for the $240 million SunTrust overdraft fee settlement was September 14, 2026. If you filed before then, here is what happens next. If you did not, here is what that means.
SunTrust Settlement Quick Status
| Detail | Information |
| Settlement fund | Up to $240,000,000 |
| Case | Bickerstaff v. SunTrust Bank, Civil File No. 10EV010485 |
| Court | State Court of Fulton County, Georgia |
| What it’s about | Overdraft fees on ATM and debit card transactions allegedly charged as unlawful interest under Georgia’s usury laws |
| Eligible period | Overdrafts of $500 or less, July 12, 2006 to April 15, 2014 |
| Final approval | Granted May 26, 2026 |
| Claim deadline | Closed, September 14, 2026 |
| Payment method | Check or Zelle, based on SunTrust’s own records |
| Administrator | 1-877-239-8765, SunTrustOverdraftClassAction.com |
What Was the SunTrust Settlement About?
This settlement resolves a class action originally filed in 2010, arguing that SunTrust Bank, now part of Truist Financial, charged overdraft fees on certain ATM and debit card transactions that functioned as interest rather than a simple service charge, and that the effective rate violated Georgia’s usury laws, which cap how much interest a lender can legally charge. The case also included claims of conversion and money had and received. SunTrust denied the allegations but agreed to settle after roughly sixteen years of litigation.
Who Was Eligible?
The settlement class covers people who had a SunTrust account that was not closed before June 1, 2010, were Georgia citizens as of July 12, 2010 and remained so through October 6, 2017, and who, between July 12, 2006 and April 15, 2014, had at least one overdraft of $500 or less on an ATM or debit card transaction, paid an overdraft fee on it, and never received a refund. This settlement is specific to Georgia account holders; it does not cover SunTrust customers in other states.
How Was the Payment Calculated?
Unlike settlements that require you to estimate your own losses, this one used SunTrust’s own account records. The administrator totaled each eligible account’s unrefunded overdraft fees, added 7 percent simple interest through the end of 2025, and paid each account its pro rata share of the net settlement fund. Every valid claim was guaranteed at least $5, and if more than one settlement class member was on a joint account, the payment was split between them. See our guide on how class action payouts are calculated for more on how pro rata distributions generally work.
The Claim Deadline Has Passed
The deadline to submit a claim, online or by mail, was September 14, 2026. The official settlement website does not offer a way to file a late claim. If you received a Claim Form and did not respond, you will not receive a payment from this settlement.
What If You Never Received a Claim Form?
If SunTrust’s records showed you qualified, you should have already received a postcard or email notice with a Claim Form before the deadline. If you believe you were eligible but never received one, contact the settlement administrator directly to ask about your specific situation rather than assuming nothing can be done.
- Phone: 1-877-239-8765
- Mail: Bickerstaff v. SunTrust Bank, Settlement Administrator, PO Box 2873, Portland, OR 97208-2873
When Will Payments Be Sent?
The court already granted final approval on May 26, 2026, which puts this settlement further along than several others still awaiting a ruling. The official settlement materials do not specify an exact payment date beyond noting that distribution follows claims processing after final approval and resolution of any appeal period. Our guide on how long it takes to get paid after a class action settlement covers what typically happens in this window.
Is This Settlement Legitimate?
Yes. It is a real settlement resolved in Georgia state court, with an official website at SunTrustOverdraftClassAction.com. Because the claims process is now closed, be cautious of any message claiming you can still file a new claim or asking for payment or personal information to “release” a check. See our guide on class action settlement scams for current impersonation tactics, and our guide on how to tell if a settlement check is real if a check arrives and you want to verify it first.
Frequently Asked Questions
Can I still file a SunTrust overdraft settlement claim?
No. The claim deadline was September 14, 2026, and has passed.
How much will I receive from the SunTrust settlement?
There is no fixed amount. Payment is based on your account’s actual unrefunded overdraft fees plus 7 percent simple interest, calculated from SunTrust’s own records, with a guaranteed minimum of $5 per valid claim.
Does this settlement cover SunTrust customers outside Georgia?
No. Eligibility is limited to people who were Georgia citizens during the relevant period, with a SunTrust account meeting the settlement’s specific criteria.
When will SunTrust settlement payments be sent?
No specific date has been announced. The court granted final approval on May 26, 2026, and payments follow claims processing and resolution of any appeal period.
Is SunTrustOverdraftClassAction.com the real settlement website?
Yes, it is the official, court-approved website for this settlement.
Bottom Line
The SunTrust overdraft fee settlement is closed to new claims as of September 14, 2026. The court has already granted final approval, so the main remaining step is claims processing and payment, not a pending court decision.
This article is for general information only and is not legal advice. Settlement terms and deadlines are set by the court and the claims administrator and can change. Always verify current details on the official settlement website before acting.
