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Fifth Circuit Affirms Insurance Co’s Duty to Defend Bank Against Claims Involving Overdraft Fees. January 21, 2015. First Community Bancshares found itself fighting a claim in which it was accused of some very common allegations that it misled depositors about their balances, misreported transactions, and purposefully ordered the booking of transactions in order to maximize overdraft fees. In a pair of actions based on similar allegations, the plaintiffs sought actual damages, …. Continue reading ».