Ruby Lambert v Navy Federal Credit Union

Welcome to the Navy Federal Representment NSF Fee Settlement Website

If you have or had a Navy Federal Account and were charged Representment NSF Fees between January 28, 2014, through October 27, 2020, you may be entitled to a payment from a class action settlement.

Important Update: Following the Final Approval Hearing on March 26, 2021, the Court granted final approval to the settlement. A copy of the Court's final approval order is available for download from the Important Documents page.

Para información en español, haga clic aquí.

What is this lawsuit about?

A Settlement has been reached in a class action lawsuit claiming that Navy Federal Credit Union (“Navy Federal”) breached its contract with member Account Holders by improperly assessing and collecting Representment NSF Fees on certain transactions. The lawsuit claims that Navy Federal breached its contract with member checking Account Holders by assessing and collecting Representment NSF Fees (as defined in the Settlement Agreement and explained in FAQ 3) on certain transactions.

Navy Federal maintains it did nothing wrong and that its imposition of Representment NSF Fees did not breach its contract with member Account Holders. The U.S. District Court for the Eastern District of Virginia dismissed the lawsuit with prejudice and the Plaintiff appealed that ruling. Navy Federal has agreed to settle the lawsuit to avoid the cost, distraction, and uncertainty of litigation.

What does the Settlement provide?

A Settlement Fund of $16.0 million has been established to pay Settlement Class Member Payments, any attorneys’ fees, litigation expenses, a Service Award ordered by the Court, or cy pres payment required by the Settlement. All Settlement Administration Costs shall be paid separately by Navy Federal. Current and former Navy Federal members who had a Navy Federal Account may be eligible for a Settlement Account Payment from the Settlement Fund.

How do I know if I am a part of the Settlement?

You are a member of the Settlement Class if you have or had a Navy Federal Account and were charged Representment NSF Fees between January 28, 2014, through October 27, 2020.

If this did not happen to you, you are not a member of the Settlement Class. You may contact the Settlement Administrator if you have any questions as to whether you are in the Settlement Class.


Detailed information about each of the options below is available in the Notice Regarding Class Action Settlement.

Option and Deadline
Do Nothing and Receive a Payment or Account Credit If you are entitled under the Settlement to a payment or Account credit, you do not have to do anything to receive it. If the Court approves the Settlement and it becomes final and effective, and you remain in the Settlement Class (i.e., you do nothing and do not otherwise exclude yourself from the Settlement), you will automatically receive a payment or Account credit.
Exclude Yourself from the Settlement
Deadline: February 24, 2021
Instead of doing nothing, you may ask to be excluded from the lawsuit. If you do so, you will receive no benefit from the Settlement, but you retain your right to sue on your own.
Deadline: February 24, 2021
You may object to the terms of the Settlement Agreement and have your objections heard at the March 26, 2021 Final Approval Hearing.
Do Nothing You will receive any payment or Account credit to which you are entitled and will give up your right to bring your own lawsuit against Navy Federal about the claims in this case.

For More Information

Visit this website often to get the most up-to-date information.


Lambert Representment NSF Fee Settlement
c/o JND Legal Administration
P.O. Box 91190
Seattle, WA 98111