If you were a customer of American National Bank & Trust and need to update your address or contact information for the data breach settlement, head to the official settlement website at anbtdatasettlement.com. The Settlement Administrator manages all address updates and claim processing through that portal, and keeping your information current is essential to receiving any payment you may be owed. For example, if you moved since the breach was discovered in January 2025 and your old address is still on file, any settlement check or correspondence could end up at your former residence, potentially delaying or forfeiting your payout. This settlement stems from a January 21, 2025 breach in which an unauthorized party accessed ANB&T’s network and stole sensitive customer data, including Social Security numbers, financial account details, and medical information. The case, *Kelly Banner, et al.
V. American National Bank & Trust*, Case No. DC30-CV2025-1068, was filed in the 30th Judicial District Court for Wichita County, Texas. Eligible class members can receive up to $4,500 for documented losses, a flat $50 cash payment if they have no documented losses, one year of three-bureau credit monitoring, and $1 million in identity theft insurance coverage. Beyond updating your contact details, this article walks through who qualifies, what losses are compensable, key deadlines you cannot afford to miss, and practical steps to strengthen your claim before the April 21, 2026 filing deadline.
Table of Contents
- How Do You Update Your Address and Contact Info for the American National Bank & Trust Settlement?
- What Data Was Exposed in the ANB&T Breach and Why It Matters for Your Claim
- What Losses Qualify for Up to $4,500 in Reimbursement
- How to File Your Claim Before the April 21, 2026 Deadline
- Common Problems That Could Derail Your Settlement Payment
- How the Three-Bureau Credit Monitoring and Identity Theft Insurance Work
- What Happens After the Settlement and Protecting Yourself Long-Term
- Frequently Asked Questions
How Do You Update Your Address and Contact Info for the American National Bank & Trust Settlement?
The most straightforward way to update your address is through the official settlement website at anbtdatasettlement.com. Once there, look for an option to update your contact information or reach out to the Settlement Administrator directly using the contact details provided on the site. If you recently moved from Wichita Falls to Dallas, for instance, and your old Wichita Falls address is what the bank has on file, failing to update it could mean your settlement notice or payment gets returned as undeliverable. You should update your information as soon as possible and certainly before the claim filing deadline of April 21, 2026.
The Settlement Administrator uses the contact details on file to send important correspondence, including any requests for additional documentation and, your settlement payment. If you cannot access the website or have trouble navigating it, you can also try contacting american National Bank & Trust directly at (940) 397-2300 or through their main website at amnat.com to ask how to ensure your records are current with the settlement process. One thing worth noting: updating your address with the Settlement Administrator is not the same as updating it with the bank itself for your regular banking relationship. These are separate processes. If you still hold accounts with ANB&T, you should update your address in both places independently.
What Data Was Exposed in the ANB&T Breach and Why It Matters for Your Claim
The scope of data compromised in this breach was unusually broad. On or about January 21, 2025, an unauthorized party accessed ANB&T’s network and stole names, addresses, Social Security numbers, driver’s license numbers, passport and government ID numbers, financial information including account numbers and credit or debit card numbers, medical information, health insurance information, and dates of birth. That combination of personal, financial, and medical data makes affected customers vulnerable to a wide range of identity theft and fraud schemes. The breadth of exposed data directly affects your claim because it increases the likelihood that you have experienced or will experience some form of misuse.
Someone who had only their name and address exposed faces a different risk profile than someone whose Social Security number, bank account details, and medical records were all compromised. When filing your claim, you should think carefully about whether you have noticed any suspicious activity across all of these categories, not just your bank accounts. However, if you were an ANB&T customer but your specific data was not part of the compromised set, you may not be eligible for certain benefits. The settlement website at anbtdatasettlement.com can help you confirm your eligibility. Do not assume you are automatically included simply because you held an account with the bank.
What Losses Qualify for Up to $4,500 in Reimbursement
The settlement allows documented out-of-pocket losses of up to $4,500 per class member. Qualifying expenses include fraudulent charges on your accounts, fees you paid to freeze or monitor your credit, identity theft recovery costs such as hiring a lawyer or credit repair service, and time spent dealing with the aftermath of the breach. Time is compensated at $25 per hour, though it is subject to caps outlined in the settlement terms. To give a concrete example, suppose you discovered unauthorized charges totaling $800 on your debit card after the breach, paid $30 per month for six months for a credit monitoring service you would not have otherwise purchased, and spent twelve hours on the phone with your bank and credit bureaus sorting everything out.
Your claim could include $800 in fraudulent charges, $180 in monitoring fees, and $300 for your time, totaling $1,280 in documented losses. The key word here is documented. Keep all receipts, bank statements, credit monitoring invoices, and any written correspondence related to the breach. If you hired a lawyer to help with identity theft recovery, keep that retainer agreement and billing records. Claims without supporting documentation are far more likely to be reduced or denied.
How to File Your Claim Before the April 21, 2026 Deadline
Filing your claim is done through anbtdatasettlement.com. The process generally involves verifying your identity as a class member, selecting the type of benefits you are claiming, uploading or describing your supporting documentation, and submitting the form before the April 21, 2026 deadline. If you do not have documented out-of-pocket losses, you can still file for the flat $50 cash payment available to all eligible class members. There is a meaningful tradeoff between filing for the $50 flat payment and pursuing the higher reimbursement. The $50 payment requires no documentation and is essentially guaranteed for eligible class members, making it the path of least resistance.
However, if you have legitimate documented losses, even modest ones like a $10 credit freeze fee and a couple of hours spent on the phone, the $25-per-hour time compensation alone could push your claim well above $50. It is worth spending 30 minutes gathering your records before defaulting to the smaller payment. The opt-out deadline is March 23, 2026, which falls before the claim filing deadline. If you are considering opting out to pursue your own legal action, you need to make that decision almost a month before the claim window closes. For most people, filing a claim through the settlement will be the more practical choice, but those with extremely large losses may want to consult an attorney about whether independent action could yield a better result.
Common Problems That Could Derail Your Settlement Payment
One of the most common issues in class action settlements is outdated contact information, which is exactly why updating your address matters so much. But there are other pitfalls to watch for. If you submit a claim without adequate documentation, it may be denied or reduced. If you miss the April 21, 2026 deadline by even a single day, you are almost certainly out of luck. Settlement administrators typically enforce deadlines strictly and do not grant extensions for individual claimants. Another issue to be aware of is scam communications.
After any major data breach settlement is announced, fraudulent emails and phone calls often follow, claiming to be from the settlement administrator and asking for personal information or upfront fees. The legitimate settlement process will never ask you to pay money to file a claim. Always access the settlement through the official website at anbtdatasettlement.com rather than clicking links in unsolicited emails or texts. If you are unsure whether a communication is legitimate, call ANB&T directly at (940) 397-2300 to verify. Finally, be aware that the $1 million in identity theft insurance coverage is a separate benefit from the cash payments. You should enroll in this coverage and the three-bureau credit monitoring regardless of whether you file a cash claim, as these protections can be valuable even if you have not yet experienced fraud. Identity theft can surface months or years after the initial breach.
How the Three-Bureau Credit Monitoring and Identity Theft Insurance Work
All eligible class members can receive one year of three-bureau credit monitoring, which tracks your credit reports at Equifax, TransUnion, and Experian simultaneously. This is more comprehensive than single-bureau monitoring, which might miss activity reported to only one agency. For example, if a fraudster opens a new credit card that only reports to TransUnion, single-bureau monitoring through Equifax would not catch it.
The $1 million identity theft insurance provides a financial backstop if your stolen data is used to commit identity theft during the coverage period. This type of insurance typically covers costs like legal fees, lost wages, and expenses related to restoring your identity. Review the specific policy terms available through the settlement website to understand exactly what is and is not covered, as these policies often have conditions and exclusions that are not immediately obvious.
What Happens After the Settlement and Protecting Yourself Long-Term
Once the settlement is finalized and claims are processed, payments will be distributed to eligible class members who filed valid claims. The timeline for receiving payment can vary, but it typically takes several months after the claim deadline closes. In the meantime, the one-year credit monitoring provides a window of active protection, but you should plan for what happens after that year expires.
Consider placing long-term fraud alerts or credit freezes with all three bureaus, which are free under federal law. Given that Social Security numbers, medical information, and financial account details were exposed, the risk of identity misuse does not disappear when the monitoring period ends. The data stolen in the ANB&T breach will remain useful to criminals for years, so building permanent habits around monitoring your credit reports, reviewing account statements, and being cautious with unsolicited communications is the most practical long-term defense.
Frequently Asked Questions
How do I update my address for the American National Bank & Trust settlement?
Visit the official settlement website at anbtdatasettlement.com to update your contact information with the Settlement Administrator. This is separate from updating your address with the bank for your regular accounts.
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 flat $50 cash payment if you have no documented losses. All eligible class members also receive one year of three-bureau credit monitoring and $1 million in identity theft insurance.
What is the deadline to file a claim?
The claim filing deadline is April 21, 2026. The opt-out deadline is earlier, on March 23, 2026. Both deadlines are strictly enforced.
What kind of losses can I claim?
Qualifying losses include fraudulent charges, credit freeze or monitoring fees, identity theft recovery costs such as hiring a lawyer or credit repair service, and time spent dealing with the breach at a rate of $25 per hour, subject to caps.
What data was stolen in the ANB&T breach?
The breach exposed names, addresses, Social Security numbers, driver’s license numbers, passport and government ID numbers, financial account and card numbers, medical information, health insurance information, and dates of birth.
Do I need receipts to file a claim?
For the $50 flat payment, no documentation is needed. For claims up to $4,500 in documented losses, you should keep and submit receipts, bank statements, invoices, and any other records showing expenses related to the breach.