If you received a letter from American National Bank & Trust about a data breach that occurred in January 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 resolves claims tied to unauthorized network access that exposed names, Social Security numbers, passport numbers, and financial account information belonging to more than 50,000 people.
Filing takes a few minutes through the official settlement website at anbtdatasettlement.com, and failing to act before the deadline means you get nothing. Beyond the claim itself, there are several decisions worth thinking through before the cutoff. You could pursue documented losses if you spent money on credit monitoring or dealt with fraudulent charges, or you could take the simpler $50 alternative payment. Either way, you also get a year of three-bureau credit monitoring and $1 million in identity theft insurance coverage. This article walks through who qualifies, how to file, what documentation you need, and what pitfalls to avoid so you do not leave money on the table.
Table of Contents
- What Happened in the American National Bank & Trust Data Incident and Why Is There a Settlement?
- Who Is Eligible to File a Claim — And Who Is Not
- How Much Money Can You Actually Get From This Settlement?
- What Documents Do You Need and How to File Before the April 21 Deadline
- Common Mistakes That Could Cost You Your Settlement Payment
- The Credit Monitoring and Identity Theft Insurance Benefits Explained
- What ANB&T’s Security Improvements Mean Going Forward
- Frequently Asked Questions
What Happened in the American National Bank & Trust Data Incident and Why Is There a Settlement?
Between January 21 and January 22, 2025, an unauthorized actor accessed the computer network of American National Bank & Trust, a bank headquartered in Wichita County, Texas. The bank discovered the intrusion on January 22, 2025, and a subsequent investigation revealed that sensitive personal data had been compromised. The exposed information included names, Social Security numbers, passport numbers, and financial account information — essentially the full toolkit an identity thief needs to open fraudulent accounts or drain existing ones. The resulting lawsuit, filed as Case No.
DC30-CV2025-1068 in the 30th Judicial District Court for Wichita County, Texas, alleged that ANB&T failed to adequately protect customer data. Rather than fight the case through trial, both sides reached a proposed class action settlement. Under the terms, ANB&T agreed to pay eligible class members, provide credit monitoring, and implement or maintain security improvements to prevent future incidents. For comparison, a similar-sized bank breach settlement in 2024 offered only $25 per person with no credit monitoring, making this deal relatively favorable for affected individuals.
Who Is Eligible to File a Claim — And Who Is Not
Eligibility comes down to two requirements. First, you must reside in the United States. Second, you must have been mailed written notification by ANB&T that your private information was potentially accessed during the January 21, 2025, data incident. If you meet both criteria, you are a class member and can file a claim. However, if you never received a notification letter, you may still have been affected but face a harder path.
The settlement administrator uses ANB&T’s records to verify claims, so filing without documentation of your notification could result in a denied claim. On the other hand, if you moved since the breach and the letter went to an old address, contact the settlement administrator through anbtdatasettlement.com to confirm your eligibility. Do not assume you are excluded just because a letter never reached you. Also worth noting: if you already opted out of the settlement before the March 23, 2026, deadline, you cannot file a claim. Opting out preserves your right to sue independently, but it forfeits any benefits from this particular settlement.
How Much Money Can You Actually Get From This Settlement?
The settlement offers two tracks, and understanding the difference matters. The first option provides up to $4,500 in reimbursement for documented out-of-pocket losses connected to the breach. This covers things like unreimbursed fraud charges, money you spent on credit monitoring services after learning about the breach, fees for credit freezes or unfreezes, and the value of time you spent dealing with the fallout. If you spent three hours on the phone with your bank disputing fraudulent charges, that counts. If you paid $30 a month for identity monitoring for six months after the breach, that $180 is claimable.
The second option is a $50 alternative cash payment available to class members who do not have documented losses or simply do not want to gather paperwork. This is the path of least resistance — you attest that you were affected and receive a flat payment. For someone whose data was exposed but who has not seen any actual misuse, this is the practical choice. Keep in mind that the $4,500 cap is a maximum, not a guarantee. Your actual reimbursement depends on what you can document, and if the total approved claims exceed the settlement fund, payments may be reduced proportionally.
What Documents Do You Need and How to File Before the April 21 Deadline
For the $50 alternative payment, the process is straightforward. Visit anbtdatasettlement.com, fill out the claim form with your personal information, confirm your eligibility, and submit. You will need the unique ID from your notification letter, though the site may allow you to look yourself up by other means if you have misplaced it. For the documented losses track, preparation matters.
Gather bank or credit card statements showing fraudulent charges, receipts or billing records for credit monitoring services you purchased, records of any out-of-pocket costs tied to the breach, and a log of time spent resolving issues. The tradeoff here is real: spending an evening pulling together $200 worth of documented expenses might not feel worth it compared to the guaranteed $50, but if you dealt with actual fraud — a cloned debit card, an unauthorized account opened in your name — the reimbursement could reach into the thousands. Be honest in your accounting. Inflated or fabricated claims risk denial entirely and can delay payments for everyone in the class.
Common Mistakes That Could Cost You Your Settlement Payment
The most obvious mistake is missing the April 21, 2026, deadline entirely. There is no grace period, no late filing exception. If you submit on April 22, your claim is rejected. Set a calendar reminder now — do not rely on remembering. A less obvious mistake is confusing the two deadlines in this case. March 23, 2026, is the deadline to opt out or object. April 21, 2026, is the deadline to file a claim. These serve completely different purposes.
Opting out means you leave the settlement and retain the right to sue ANB&T on your own. Objecting means you stay in the class but formally tell the court you disagree with some aspect of the deal. Filing a claim means you want your money. If you accidentally opt out thinking you are filing a claim, you have eliminated your ability to collect anything from this settlement. Read the forms carefully. Another pitfall involves the credit monitoring benefit. All eligible class members can enroll in one year of three-bureau credit monitoring, but you typically have to activate it separately from filing your claim. Do not assume that filing a claim automatically enrolls you. Check the settlement website for enrollment instructions after your claim is submitted.
The Credit Monitoring and Identity Theft Insurance Benefits Explained
Beyond cash payments, the settlement includes one year of credit monitoring covering all three major bureaus — Equifax, Experian, and TransUnion. This is genuinely useful because it alerts you to new accounts or inquiries using your information, which matters when Social Security numbers and passport numbers are in play. For context, comparable three-bureau monitoring services retail for $20 to $35 per month, putting the annual value at roughly $240 to $420.
The $1 million identity theft insurance policy is a separate layer of protection. If someone uses your breached data to steal your identity and you incur losses, the insurance can cover expenses related to restoring your identity and recovering stolen funds. The practical limitation here is that insurance policies like these come with terms, conditions, and claims processes of their own, so read the policy details carefully once you enroll.
What ANB&T’s Security Improvements Mean Going Forward
As part of the settlement, American National Bank & Trust agreed to implement and maintain security improvements to its systems. While the specific measures are not always publicly detailed in settlement agreements, this provision signals that the court and the plaintiffs pushed for institutional change beyond just writing checks. For current or future ANB&T customers, this should mean stronger data protections going forward.
That said, no security upgrade eliminates risk entirely. If your data was already exposed in January 2025, those records exist somewhere regardless of what ANB&T does now. The credit monitoring and insurance benefits exist precisely because the damage from a breach often surfaces months or even years later. Stay vigilant with your credit reports and financial statements well beyond the one-year monitoring window provided by the settlement.
Frequently Asked Questions
How do I know if I am eligible for the ANB&T data breach settlement?
You are eligible if you reside in the United States and received a written notification letter from American National Bank & Trust stating that your personal information was potentially accessed during the January 21, 2025, data incident.
What is the deadline to file a claim?
The deadline to file a claim is April 21, 2026. Claims submitted after this date will not be accepted.
Can I file a claim and also opt out of the settlement?
No. Opting out means you leave the class and give up any settlement benefits, including the right to file a claim. The opt-out deadline is March 23, 2026. If you want money from this settlement, do not opt out.
What if I lost my notification letter and do not have my unique ID?
Visit anbtdatasettlement.com and look for options to verify your eligibility without the letter. You can also contact the settlement administrator directly through the website for assistance.
Do I have to choose between the $4,500 reimbursement and the credit monitoring?
No. The credit monitoring and identity theft insurance are available to all eligible class members regardless of which payment option you choose. You can claim the $50 alternative payment or submit documented losses up to $4,500 and still enroll in credit monitoring.
What kind of expenses qualify for the documented losses reimbursement?
Qualifying expenses include unreimbursed fraud charges, costs of credit monitoring services you purchased after the breach, fees for placing or lifting credit freezes, and other out-of-pocket costs directly related to the data incident. Time spent dealing with the breach may also be compensable.
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