Managing client trust accounts, or IOLTA accounts, is a critical responsibility for lawyers. These accounts hold client funds that must be protected with strict ethical standards. However, overdrafts can occur due to errors or banking issues, leading to costly overdraft fees. Banks often charge $35 or more per overdraft, with some fees reaching $37, and use tactics like transaction reordering to increase fees, impacting many consumers. When an IOLTA overdraft happens, it must
