Best v. United States National Bank

Defendant U.S. National Bank (the Bank) charges its checking account depositors a fee for processing nonsuffi-cient fund (NSF) checks written on their accounts. Between 1973 and 1979, the Bank increased its NSF fee from $3 to $5 per check. Plaintiffs Lonnie and Teresa Best were among the Bank’s depositors whose accounts were assessed NSF charges during this period. The Bests, individually and as representatives of a class of depositors, brought this action to recover the charges. They contend that the Bank’s NSF fees were unlawful because the fees greatly exceeded the Bank’s costs for…