The single biggest factor that determines your American National Bank & Trust settlement payout is whether you can document actual financial losses from the January 2025 data breach. If you can show receipts, bank statements, or other proof of out-of-pocket costs tied to the breach, you could receive up to $4,500. If you cannot document specific losses but were still affected, you are eligible for a flat $50 alternative cash payment. That gap — $50 versus potentially $4,500 — makes gathering your documentation the most consequential step you can take before the April 21, 2026 filing deadline. This settlement stems from the case *Kelly Banner, et al.
V. American National Bank & Trust*, filed in Wichita County, Texas, after an unauthorized actor accessed ANB&T’s network between January 21 and 22, 2025, exposing the personal data of over 52,000 individuals. The compromised information included Social Security numbers, financial account details, medical records, and government-issued IDs — a broad range of sensitive data that creates real identity theft risk. Beyond the two payment tiers, all eligible class members also receive one year of three-bureau credit monitoring and $1 million in identity theft insurance coverage.
Table of Contents
- What Determines Whether You Get $50 or Up to $4,500 From the ANB&T Settlement?
- Which Types of Losses Qualify for the Maximum ANB&T Settlement Payout
- How the ANB&T Data Breach Notification Requirement Affects Your Eligibility
- Filing Your ANB&T Settlement Claim — Online Process and What to Prepare
- Why the Opt-Out Deadline Matters More Than You Think
- The Credit Monitoring and Identity Theft Insurance Benefit You Should Not Ignore
- What Happens After You File and What to Watch For
- Frequently Asked Questions
What Determines Whether You Get $50 or Up to $4,500 From the ANB&T Settlement?
The settlement creates two distinct payment tracks, and which one you fall into depends entirely on your ability to prove financial harm. The documented losses tier covers out-of-pocket expenses you incurred because of the breach — things like unauthorized charges on your accounts, fees for credit freezes or monitoring services you purchased before the settlement was announced, costs related to replacing a compromised driver’s license or passport, and time spent dealing with identity theft. If you can put a dollar figure on those losses and back it up with records, your claim can reach up to $4,500. The alternative cash payment of $50, on the other hand, requires no documentation beyond proof that you were a member of the affected class.
To put this in practical terms, consider someone who discovered fraudulent charges totaling $800 on a debit card linked to their ANB&T account, then spent $30 on credit freezes across all three bureaus and another $150 on a year of credit monitoring they purchased out of pocket before learning about the settlement. That person has $980 in documented losses and would file under the higher tier. Their neighbor, who received the same breach notification but never spotted unauthorized activity and did not pay for any protective services, would file for the $50 flat payment. Both claims are valid, but the difference in payout is substantial. If you are on the fence, dig through your bank and credit card statements from February 2025 onward before deciding which tier to claim.
Which Types of Losses Qualify for the Maximum ANB&T Settlement Payout
Not every expense related to your general frustration or concern about the breach will count toward a documented loss claim. The settlement specifically covers losses that are reasonably traceable to the data breach itself. Fraudulent charges that appeared after January 2025 on accounts linked to information ANB&T held are the most straightforward category. Costs you paid out of pocket for credit monitoring, identity theft protection services, or credit report fees also qualify, as do expenses for replacing compromised identification documents such as a driver’s license, passport, or state-issued ID.
However, if you already had credit monitoring through another breach settlement or a free service bundled with your bank account, you likely cannot claim the cost of a separate monitoring subscription as a breach-related expense. Similarly, if fraudulent charges appeared on your account but your bank already refunded them in full, those reimbursed amounts are not out-of-pocket losses. The key word is “out-of-pocket” — money you actually lost and were not made whole on through other channels. Time spent on the phone with your bank disputing charges or filing police reports may also factor into your claim, but you will need to be specific about dates, duration, and what you were addressing. Vague estimates without supporting details are unlikely to survive the claims review process.
How the ANB&T Data Breach Notification Requirement Affects Your Eligibility
One threshold requirement that trips people up is the notification condition. To be eligible for either payment tier in this settlement, you must have received written notification from American National Bank & Trust that your personal information was potentially compromised in the January 2025 breach. This is not a technicality you can skip — it is how the settlement administrator verifies that you are among the 52,000-plus affected individuals.
If you believe your data was held by ANB&T but you never received a notification letter, there could be several explanations. The bank may have sent it to an outdated address, it may have been discarded as junk mail, or your information may not have been in the specific files the unauthorized actor accessed. ANB&T’s investigation, which concluded on April 28, 2025, determined which individuals had data in the compromised files. If you banked with ANB&T during the relevant period and suspect you should have been notified, check the official settlement website at anbtdatasettlement.com or contact the settlement administrator directly to verify your eligibility status before investing time in compiling documentation.
Filing Your ANB&T Settlement Claim — Online Process and What to Prepare
Claims can be submitted online at anbtdatasettlement.com, which is the most efficient route. Before you start, decide which payment tier you are claiming. For the $50 flat payment, you will need basic identifying information and confirmation of your class membership. For the documented losses tier, prepare your evidence in advance — you will need to upload or describe supporting documents such as bank statements showing fraudulent transactions, receipts for credit monitoring services, invoices for replacement IDs, or records of time spent on identity theft remediation.
The tradeoff between the two tiers is straightforward but worth stating plainly. The $50 payment requires almost no effort and carries no risk of your claim being reduced or denied for insufficient documentation. The higher tier offers up to $4,500 but requires real proof, and if your documentation is weak or your claimed expenses do not clearly tie to the breach, your payment could be adjusted downward or portions of your claim could be denied. If your provable losses amount to, say, $35 in credit freeze fees and nothing else, you are better off claiming the flat $50 rather than going through the documented losses process for a smaller amount. Calculate your actual losses honestly before choosing.
Why the Opt-Out Deadline Matters More Than You Think
The opt-out deadline of March 23, 2026 has already passed or is imminent depending on when you are reading this, and it represents an irreversible decision point. If you opted out by that date, you preserved your right to file an individual lawsuit against ANB&T — but you forfeited all settlement benefits, including the cash payments, credit monitoring, and identity theft insurance. If you did not opt out, you are bound by the settlement terms and cannot sue ANB&T separately over this breach. This matters most for individuals who suffered significant financial harm well beyond the $4,500 cap.
Someone who experienced full-blown identity theft resulting in tens of thousands of dollars in damages, damaged credit, and months of remediation work might find the settlement’s maximum payout inadequate. For those individuals, pursuing independent legal action could have been worth exploring. However, ANB&T denies all claims of wrongdoing and liability in this matter, which means an independent lawsuit carries uncertainty and legal costs with no guaranteed outcome. For the vast majority of the 52,000 affected individuals, the settlement’s terms — particularly the credit monitoring and insurance coverage — represent a more reliable path to compensation than individual litigation.
The Credit Monitoring and Identity Theft Insurance Benefit You Should Not Ignore
Regardless of whether you claim $50 or up to $4,500, every eligible class member receives one year of three-bureau credit monitoring plus $1 million in identity theft insurance. This benefit does not require separate documentation and activates once your claim is processed. Given that the breach exposed Social Security numbers, financial account information, and medical records, this monitoring is not just a token gesture — it covers the categories of data most commonly exploited in identity fraud.
One year may sound short, but it covers the window during which stolen data is most actively used. After that period, you can transition to free monitoring services like those offered at annualcreditreport.com or through your existing bank. The $1 million identity theft insurance provides a safety net if someone does use your compromised data for fraud during the coverage period, helping cover legal fees, lost wages, and other recovery costs that can escalate quickly.
What Happens After You File and What to Watch For
Once you submit your claim before the April 21, 2026 deadline, expect a review and processing period before payments are distributed. Settlement administrators typically take several months after the claims deadline closes to review submissions, validate eligibility, and calculate final payment amounts. If the total documented claims exceed the settlement fund, individual payouts in the higher tier may be reduced on a pro rata basis — meaning your $4,500 maximum is a ceiling, not a guarantee.
Keep an eye on your email and physical mail for correspondence from the settlement administrator after filing. They may request additional documentation to support your claim, and failing to respond promptly could result in your claim being denied. Save a copy of your confirmation number and any submission receipts. For ongoing updates, the official settlement website at anbtdatasettlement.com will post notices about the distribution timeline and any changes to the settlement terms.
Frequently Asked Questions
How much will I receive from the American National Bank & Trust settlement?
You will receive either a flat $50 alternative cash payment if you have no documented losses, or up to $4,500 if you can prove out-of-pocket expenses resulting from the January 2025 data breach.
What is the deadline to file a claim for the ANB&T data breach settlement?
The claim filing deadline is April 21, 2026. Claims can be submitted online at anbtdatasettlement.com.
Do I need to have been a customer of American National Bank & Trust to qualify?
You need to have received written notification from ANB&T that your personal information was potentially compromised in the breach. The bank held data for over 52,000 individuals, which may include customers, former customers, or others whose information was in their systems.
What kind of documentation do I need for the higher payment tier?
You need records showing actual out-of-pocket losses tied to the breach, such as bank statements showing fraudulent charges, receipts for credit monitoring services you purchased, fees for credit freezes, or costs to replace compromised identification documents.
Can I still sue ANB&T individually if I file a settlement claim?
No. If you did not opt out by March 23, 2026, you are bound by the settlement and cannot pursue separate legal action against ANB&T for this data breach. Filing a claim means accepting the settlement terms.
Does ANB&T admit fault in the settlement?
No. American National Bank & Trust denies all claims of wrongdoing or liability. The settlement resolves the case without an admission of fault, which is standard in class action data breach litigation.
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