SHEPHERD, Circuit Judge.
Jarek Charvat brought putative class actions against two Nebraska banks, Mutual First Federal Credit Union ("Mutual First") and First National Bank of Wahoo ("First National") (collectively, "Appellees"), alleging violation of the Electronic Fund Transfer Act ("EFTA"). See 15 U.S.C. § 1693. The district court dismissed both of Charvat's suits for lack of standing, and he now appeals. We reverse.
I.
In early 2012...
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