Your Bank Just Reported a Trust Account Overdraft to the State Bar: The First-72-Hours Response Playbook for Law Firms in 2026

In nearly every U.S. jurisdiction, the bank holding your IOLTA account is required to notify the disciplinary authority when a trust check is presented against insufficient funds — whether or not the item is paid. The notice goes out without asking you first. This is the step-by-step workflow for the 72 hours after you learn one was sent.