A customer who say Zions Bank makes it difficult if not impossible to avoid overdraft fees has filed a lawsuit in federal court, making the Utah bank one of dozens whose extra charges have triggered lawsuits from angry consumers.

The lawsuit was filed by bank customers who were charged overdraft fees under policies that were in place between 2005 and 2010. The lawsuit comes more than a year after federal regulators slapped limits on bank overdraft practices and the resulting fees. U.S. banks reportedly raked in nearly $40 billion a year from the charges before regulations took effect in July 2010 requiring banks to get customers' permission to enroll them in overdraft programs and limiting how many fees could be charged in one day.

The lawsuit alleges that Zions' policies allowed it to manipulate and alter the order in which debit transactions were posted so it could maximize the number of overdrafts, increasing the fees collected from customers. The lawsuit also contends the bank does not routinely decline debit transactions when it's clear that doing so will overdraft a customer's account, which also results in additional charges to consumers.

The lawsuit's allegations are specific to Zions' roughly 130 bank branches in Utah and Idaho. Parent company Zions Bancorp also operates financial institutions in Arizona, California, Colorado, Nevada, New Mexico, Oregon, Texas, and Washington.