After two years of court battles, Union Bank of California is now facing a national class action with implications for banks’ handling of overdraft charges. In the case of Larsen v. Union Bank, plaintiffs’ attorneys have asked that the court unseal bank records, and that is creating ripples.

Union Bank will likely ask the 11th Circuit Court to review the lower court’s decision certifying the case as a national class. Alan Kaplinsky, head of Ballard Spahr’s consumer financial services practice, said that defendants normally request a review, in this instance on the grounds that the bank’s defense doesn’t lend itself to class action due to the variable nature of the claims.