Blus v. Civista Bank

Citations

• 2025 Ohio 3303

Syllabus

Summary judgment to bank on consumers' claims for breach of contract and unjust enrichment affirmed. The agreements unambiguously allow the bank to impose non-sufficient funds (\NSF\) Fees on debit card transactions that authorize into a positive balance and settle into a negative balance. They also allow imposition of NSF Fees on each item returned unpaid regardless of whether it was presented for the first, second, or third time. Claims of unjust enrichment must fail where a contract exists covering the same subject matter.