Lawyers for Wells Fargo Bank squared off Thursday at the U.S. Court of Appeals for the Eleventh Circuit against those representing what they hope remains a class of plaintiffs challenging the bank’s overdraft practices.

The question the judges were tasked with answering seemed deceptively simple: Did Wells Fargo forfeit its right to enforce arbitration clauses in its customers’ contracts years after it began litigating the case in court and after the class had been certified by the trial court?