The U.S. Eleventh Circuit Court of Appeals on Tuesday revived a proposed class action accusing a credit union with more than a dozen north metro branches of violating federal law and breach of contract by charging customers overdraft fees for withdrawals even though there was sufficient money in their accounts.

The credit union instead relied on an “available balance” calculation under which it subtracted pending deposits and transactions to determine that a customer was overdrawn and levied overdraft fees.