In a class action, the named parties have claims that are similar and representative of the class members.  Your claim and the class action both involve overdraft fees.  Your claim may fall within the class action.  You could either accept membership in the class action which would prevent you from filing a separate lawsuit or you could decline membership in the class action and file your separate lawsuit.  You should have received a notice in the mail stating that you could be a member of the class action.You might want to contact the attorneys representing the class action if you didn't receive any notice in the mail and you are not certain that your claim should be included in the class action.