Earlier this year, talk about the big class action against Bank of America was all about money — the billion dollars or so in statutory damages, the $284 million in compensatory damages, and of course the correspondingly large contingency fee due the plaintiffs lawyers.

That all changed Monday when California’s 1st District Court of Appeal struck down a trial court’s ruling that the bank may not withdraw Social Security funds from customer accounts to pay for overdrafts and overdraft penalties.