If you received a letter from American National Bank & Trust about a data breach that occurred on or around January 21, 2025, you have until April 21, 2026 to file a claim for up to $4,500 in reimbursement or a flat $50 cash payment. The settlement in *Kelly Banner, et al. v. American National Bank & Trust* (Case No.
DC30-CV2025-1068) covers roughly 52,000 people whose personal information — including Social Security numbers, financial records, and medical data — was accessed by an unauthorized actor. Filing takes just a few minutes at the official settlement website, anbtdatasettlement.com, and there is no cost to participate. Beyond the cash payments, every eligible class member can also receive one year of three-bureau credit monitoring and $1 million in identity theft insurance coverage. For someone who, say, spent hours on the phone disputing a fraudulent charge that appeared after the breach, the settlement offers a way to recover the value of that lost time and any direct financial hits. This article walks through exactly who qualifies, what you can claim, how to file before the deadline, and what happens if you miss it.
Table of Contents
- What Is the American National Bank & Trust Data Settlement and What Can You Claim Before April 21, 2026?
- Who Qualifies for This Settlement and What If You Are Not Sure
- What Data Was Exposed and Why It Matters Long After the Breach
- How to File Your Claim Step by Step
- Common Mistakes That Could Cost You Your Payout
- What Security Improvements ANB&T Must Make
- Watching the Calendar — What Comes After the Filing Deadline
- Frequently Asked Questions
What Is the American National Bank & Trust Data Settlement and What Can You Claim Before April 21, 2026?
The settlement resolves a class action lawsuit filed in the 30th Judicial District Court for Wichita County, Texas after an unauthorized actor breached ANB&T’s network on or about January 21, 2025. ANB&T is a billion-dollar bank based in Wichita County, Texas, and the breach exposed a serious range of sensitive data: names, addresses, Social Security numbers, driver’s license numbers, passport and state ID numbers, financial information, medical information, health insurance details, and dates of birth. That combination is essentially a full identity theft starter kit, which is why the lawsuit moved forward and a settlement was reached. There are two paths for compensation.
If you suffered documented out-of-pocket losses — think fraudulent bank charges, costs of credit monitoring services you purchased on your own, fees for credit freezes, or even the time you spent on the phone dealing with the fallout — you can claim up to $4,500. If you did not experience any specific losses but were still part of the breach, you can claim a $50 cash payment instead. You cannot claim both. The $50 option is straightforward and requires less documentation, while the larger reimbursement requires receipts, statements, or other records showing what the breach cost you.
Who Qualifies for This Settlement and What If You Are Not Sure
Eligibility comes down to one key factor: whether ANB&T mailed you a written notification that your private information was potentially accessed, viewed, or obtained as a result of the January 21, 2025 data incident. You must also reside in the United States. If you received that letter, you are a settlement Class Member regardless of whether you have actually experienced identity theft or fraud since the breach.
However, if you banked with ANB&T but never received a notification letter, you likely are not part of the settlement class. The roughly 52,000 individuals covered were specifically identified by the bank as having their data in the compromised files. If you believe your information was exposed but you never got a letter — perhaps you moved and the letter went to an old address — it is worth checking with the settlement administrator through anbtdatasettlement.com to see if your name appears in their records. On the other hand, if you did receive the letter but want nothing to do with the settlement, the opt-out deadline was March 23, 2026, which allows you to preserve your right to file an independent lawsuit.
What Data Was Exposed and Why It Matters Long After the Breach
The scope of what was stolen in this breach is unusually broad. Most data breaches involve one or two categories of information — maybe an email address and a password, or a credit card number. The ANB&T breach exposed Social Security numbers, government-issued IDs like passports and driver’s licenses, financial account information, medical records, and health insurance data all at once. For a single individual, that combination could allow a bad actor to open new credit accounts, file fraudulent tax returns, obtain medical services under someone else’s identity, or even create synthetic identities that blend real and fake information.
Consider a scenario where someone’s Social Security number and date of birth from this breach are used to open a credit card six months later. The victim might not discover it until they apply for a mortgage and find an unknown account dragging down their credit score. That is why the one year of three-bureau credit monitoring and the $1 million identity theft insurance policy included in this settlement are not just afterthoughts — they are essential protective measures. The credit monitoring covers Equifax, Experian, and TransUnion, so you will get alerts if new accounts or inquiries show up under your name at any of the three major bureaus.
How to File Your Claim Step by Step
Go to anbtdatasettlement.com before April 21, 2026. The site has an online claim form that asks for your basic identifying information and, if you are seeking reimbursement for out-of-pocket losses, supporting documentation. For the $50 cash payment option, the process is simpler since you do not need to prove specific damages. You will still need to verify your identity as a class member.
If you are going for the larger reimbursement of up to $4,500, gather your documentation before you start. Bank or credit card statements showing fraudulent charges, receipts for credit monitoring services you paid for out of pocket, records of time spent dealing with breach-related issues — all of it strengthens your claim. The tradeoff is clear: the $50 payment requires almost no effort and is a sure thing, while pursuing the full reimbursement takes more preparation but could yield significantly more money if you have the documentation to back it up. If you spent even a few hours dealing with fraud alerts and phone calls, the time-based reimbursement alone could exceed $50 easily.
Common Mistakes That Could Cost You Your Payout
The most frequent issue with settlement claims is missing the deadline entirely. April 21, 2026 is a hard cutoff — there is no grace period and no extension process for individual claimants. If you file on April 22, your claim will almost certainly be rejected regardless of how strong it is. Set a reminder now rather than relying on memory. Another common mistake is submitting a claim for out-of-pocket losses without adequate documentation.
Saying you spent ten hours on the phone with your bank is not enough on its own. Call logs, written correspondence, notes with dates and times — anything that creates a paper trail will help. Be aware that claims are reviewed and can be denied or reduced if the administrator finds insufficient proof. Also watch for the settlement notice ID or unique identifier that was included in your notification letter, as you will likely need it to file online. If you have lost the letter, contact the settlement administrator through the website to retrieve your information.
What Security Improvements ANB&T Must Make
As part of the settlement, ANB&T has agreed to implement and maintain various security-related improvements to its systems. While the specific technical measures are not publicly itemized in full detail, this is a standard and important component of data breach settlements — it means the resolution is not purely financial.
For example, banks in similar cases have been required to adopt enhanced encryption protocols, conduct regular penetration testing, and implement stricter access controls for sensitive data. These changes reduce the likelihood of a repeat incident for current and future ANB&T customers.
Watching the Calendar — What Comes After the Filing Deadline
Once the April 21, 2026 claim deadline passes, the settlement administrator will process all submitted claims and distribute payments. The timeline for receiving money varies — in similar data breach settlements, payments have taken anywhere from a few months to over a year after the filing deadline, depending on the volume of claims and whether any disputes arise. If a large percentage of the 52,000 eligible individuals file claims, the process could take longer.
If you are still within the window as you read this, do not wait. File your claim, enroll in the credit monitoring, and activate the identity theft insurance. These protections are part of what the lawsuit secured, and they cost you nothing to use. The breach already happened — the only question now is whether you take the steps available to protect yourself going forward.
Frequently Asked Questions
How much money can I get from the ANB&T data breach settlement?
You can receive up to $4,500 for documented out-of-pocket losses or a $50 cash payment if you have no specific losses to claim. You cannot receive both.
What is the deadline to file a claim?
The claim filing deadline is April 21, 2026. Claims submitted after this date will not be accepted.
How do I know if I am eligible?
You are eligible if you reside in the United States and received a written notification letter from ANB&T about the January 21, 2025 data incident.
Where do I file my claim?
File your claim online at the official settlement website, anbtdatasettlement.com.
What if I want to opt out of the settlement?
The opt-out deadline was March 23, 2026. Opting out preserves your right to pursue your own lawsuit, but you will not receive any benefits from this settlement.
Does the settlement include credit monitoring?
Yes. All eligible class members can receive one year of three-bureau credit monitoring (Equifax, Experian, and TransUnion) and $1 million in identity theft insurance coverage at no cost.