MIAMI (AP) -- More than 13 million current and former Bank of America customers who used debit cards over the past decade could get a share of a $410 million settlement in a lawsuit claiming the bank charged excessive overdraft fees.

Most, however, will get only a fraction of the overdraft fees they paid.

The class-action lawsuit claimed that Charlotte, N.C.-based Bank of America processed its debit card and check payments in a way that triggered more overdrafts and therefore more fees. The bank insists the system was proper despite the settlement.

The settlement approved by Senior U.S. District Judge James Lawrence King in Miami includes an estimated $123 million in legal fees for plaintiff's lawyers.

New bank regulations prohibit this type of debit card fee unless customers approve.

(Copyright 2011 by The Associated Press. All Rights Reserved.)

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