If you received a notice from American National Bank & Trust about a data breach that occurred on or around January 21, 2025, you may be entitled to up to $4,500 in reimbursement for documented losses — or a flat $50 cash payment even if you have no losses to report. The settlement in *Kelly Banner, et al. v. American National Bank & Trust*, Case No.
DC30-CV2025-1068, also provides one year of three-bureau credit monitoring and $1 million in identity theft insurance coverage. The claim filing deadline is April 21, 2026, and you can submit your claim now through the official settlement website at [anbtdatasettlement.com](https://anbtdatasettlement.com/). The breach exposed a wide range of sensitive personal data, including Social Security numbers, financial information, medical records, and government-issued ID numbers. For someone whose Social Security number was compromised, the consequences can range from fraudulent credit card applications to tax refund theft — problems that may not surface for months or even years.
Table of Contents
- Who Is Eligible for the American National Bank & Trust Data Breach Settlement?
- What Compensation Can You Actually Claim from the ANB&T Settlement?
- Key Deadlines That Could Make or Break Your Claim
- How to File Your Claim Step by Step
- What the Settlement Does Not Cover — and Limitations to Know
- What Happens If the Court Does Not Approve the Settlement?
- Broader Implications for Bank Data Breach Accountability
- Frequently Asked Questions
Who Is Eligible for the American National Bank & Trust Data Breach Settlement?
Eligibility is straightforward but limited to a specific group. You are a settlement Class Member if you reside in the United States and were mailed a written notification by ANB&T informing you that your personal information was potentially accessed during the January 21, 2025 data incident. If you never received that letter, you are likely not part of the class — even if you are an ANB&T customer. The mailed notice is the defining criterion.
This is worth underscoring because it differs from some data breach settlements where anyone who held an account during a certain window automatically qualifies. Here, ANB&T identified specific individuals whose data was exposed and notified them directly. If you moved recently and suspect the notice may have gone to an old address, it is worth checking with the bank or visiting [anbtdatasettlement.com](https://anbtdatasettlement.com/) to verify your eligibility using your personal details. Throwing away that notice without reading it — something many people do with mail that looks like junk — could mean walking away from real money.
What Compensation Can You Actually Claim from the ANB&T Settlement?
The settlement offers two tiers of compensation depending on your situation. The first tier allows reimbursement of up to $4,500 for documented out-of-pocket losses connected to the breach. This includes fraud charges on your accounts, costs you paid for credit monitoring services after the breach, and even time you spent dealing with the fallout — things like calling your bank, filing police reports, or disputing fraudulent charges. You will need receipts, statements, or other documentation to support these claims.
The second tier is the alternative cash payment of $50, available to class members who did not suffer documented financial losses but were still affected by the breach. This is a no-documentation-required option, which makes it appealing for people who simply do not want to dig through months of records. However, if you spent even a few hours on the phone with your bank or paid $30 for a credit monitoring subscription after receiving the breach notice, you should seriously consider filing under the first tier instead — those documented losses could push your payout well beyond the $50 flat payment. Beyond direct payments, the settlement includes one year of credit monitoring covering all three bureaus (Equifax, Experian, and TransUnion) and $1 million in identity theft insurance. The insurance is particularly valuable for people whose Social Security numbers were exposed, since identity theft tied to SSN compromise can escalate into five- and six-figure problems involving fraudulent loans or tax fraud.
Key Deadlines That Could Make or Break Your Claim
The calendar matters here, and missing a single date could cost you your right to compensation or your ability to object to the settlement terms. The claim filing deadline is April 21, 2026. If you do not submit your claim by that date, you will receive nothing — regardless of how severe your losses were. Two other deadlines fall earlier. The opt-out deadline and the objection deadline are both March 23, 2026. Opting out means you exclude yourself from the settlement and preserve your right to sue ANB&T independently — a path that only makes sense if your losses are substantial enough to justify hiring an attorney and pursuing litigation on your own.
Filing an objection, by contrast, means you stay in the settlement class but formally tell the court you believe the terms are unfair. For most people, neither opting out nor objecting will be the right move, but if you are considering either option, you cannot wait until the last minute. The final approval hearing is set for April 28, 2026 at 10:00 a.m. in the 30th Judicial District Court for Wichita County, Texas. At that hearing, the judge will decide whether the settlement is fair, reasonable, and adequate. If approved, payments will follow — though the exact timeline for distribution will depend on how many claims are filed and whether any appeals are raised.
How to File Your Claim Step by Step
Filing is handled through the official settlement website at [anbtdatasettlement.com](https://anbtdatasettlement.com/). You will need to provide identifying information that matches what ANB&T has on file — typically your name, address, and a unique identifier from the breach notice you received in the mail. If you are claiming documented out-of-pocket losses, you will also need to upload or describe supporting documentation. The tradeoff between the $50 alternative payment and the documented loss claim comes down to effort versus payout.
If your documented losses are under $50, take the flat payment. If they exceed that amount, gather your bank statements, credit monitoring receipts, and any records of time spent addressing the breach (some settlements allow you to value your time at a set hourly rate — check the claim form for specifics). Filing for documented losses takes more work, but the ceiling of $4,500 is significant. One claimant who paid for identity theft protection, spent hours freezing credit across three bureaus, and dealt with a fraudulent charge on a credit card could easily reach several hundred dollars in legitimate reimbursable expenses.
What the Settlement Does Not Cover — and Limitations to Know
No settlement covers everything, and this one has its boundaries. The $4,500 cap means that individuals who suffered catastrophic identity theft — say, someone who had a fraudulent mortgage taken out in their name — may find the reimbursement falls far short of their actual damages. If you fall into that category, the opt-out path may be worth discussing with a lawyer before the March 23, 2026 deadline. The one-year credit monitoring benefit, while useful, is also limited.
Identity theft from a breach like this can surface two, three, or even five years after the incident. Once the free year expires, you will need to decide whether to continue monitoring at your own expense or rely on the free annual reports available through AnnualCreditReport.com. It is also worth noting that if you already have credit monitoring through another breach settlement or a service like your bank’s fraud protection, the additional coverage may be redundant — though having three-bureau monitoring specifically is still a step above single-bureau services. Additionally, ANB&T has agreed to implement and maintain various security-related improvements going forward, but the settlement documents do not always spell out what those improvements are in granular detail. This is a common feature of data breach settlements: the company promises better security, but class members have limited visibility into whether those promises are meaningfully kept.
What Happens If the Court Does Not Approve the Settlement?
If the judge at the April 28, 2026 hearing determines the settlement is not fair, the parties may be sent back to renegotiate terms. In that scenario, the claim deadline and other dates could shift, and class members would be notified of any changes. This is rare — most settlements that reach the final approval stage do get approved — but it is not impossible, especially if a significant number of objections are filed or if the court finds the payout amounts inadequate relative to the data exposed.
For class members, the practical takeaway is simple: file your claim before April 21, 2026 regardless. If the settlement is approved, your claim is already in the system. If the terms change, you will have the opportunity to adjust.
Broader Implications for Bank Data Breach Accountability
The ANB&T settlement fits into a growing pattern of financial institutions facing legal consequences for data breaches that expose highly sensitive information. The range of data compromised here — Social Security numbers, medical information, financial records, and government IDs — represents nearly every category of information that identity thieves prize. Courts and regulators have increasingly signaled that companies holding this kind of data will be held to higher standards, and settlement amounts in bank-related breaches have trended upward.
For consumers, the lesson is consistent: freeze your credit proactively, monitor your accounts, and file claims when they are available. Settlements like this one exist because litigation pressures companies to compensate the people whose data they failed to protect. Whether the payout is $50 or $4,500, it is money that belongs to affected individuals — and leaving it on the table benefits no one except the defendant.
Frequently Asked Questions
How do I know if I am part of the ANB&T data breach settlement class?
You are a class member if you reside in the United States and received a mailed written notification from ANB&T stating that your personal information was potentially accessed during the January 21, 2025 data incident.
What is the maximum amount I can claim?
You can claim up to $4,500 for documented out-of-pocket losses related to the breach, or a flat $50 alternative payment if you do not have documented losses.
When is the deadline to file a claim?
The claim filing deadline is April 21, 2026. Claims must be submitted through the official settlement website at [anbtdatasettlement.com](https://anbtdatasettlement.com/).
Can I opt out of the settlement and sue on my own?
Yes, but you must submit your opt-out request by March 23, 2026. Opting out means you give up any benefits from this settlement but retain the right to pursue your own legal action against ANB&T.
What does the credit monitoring include?
The settlement provides one year of credit monitoring covering all three major bureaus — Equifax, Experian, and TransUnion — along with $1 million in identity theft insurance coverage.
What kind of documentation do I need for a reimbursement claim?
You will need records supporting your out-of-pocket expenses, such as bank or credit card statements showing fraud charges, receipts for credit monitoring services you purchased, and any other documentation showing costs or time spent dealing with the breach.
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