Alicia Page v. Alliant Credit Union

**What happened:** Alicia Page sued Alliant Credit Union claiming the company broke its contract with her regarding how it charged overdraft fees (NSF fees). Page argued that the credit union was improperly using an "available-balance method" to calculate these fees and was charging multiple fees for single transactions, which she believed violated their agreement. **What the court decided:** The court ruled in favor of Alliant Credit Union and dismissed Page's lawsuit. The judges found that Alliant's contract language clearly allowed the credit union to use the available-balance method for calculating overdraft fees and permitted charging multiple fees per transaction. Since the contract terms were unambiguous (clear and not confusing), the court determined that Alliant had not broken its agreement with Page. **Why this matters for workers:** This ruling highlights the importance of carefully reading all contract terms, especially regarding fees and charges. Financial institutions can use various methods to calculate overdraft fees as long as their contracts clearly state this. Workers should review their banking agreements thoroughly and understand how fees are calculated to avoid unexpected charges. When contract language is clear, courts will typically enforce those terms even if they seem unfavorable to consumers.