To file your American National Bank & Trust data incident settlement claim online, go to anbtdatasettlement.com, enter the unique Settlement ID printed on the notice ANB&T mailed you, select your preferred benefit option, upload any supporting documents if you are claiming out-of-pocket losses, and submit the form before the April 21, 2026 deadline. The entire process takes roughly ten to fifteen minutes if you have your paperwork ready, though claimants seeking reimbursement for documented losses will need receipts or bank statements on hand before they start. This settlement stems from Kelly Banner, et al. v.
American National Bank & Trust, Case No. DC30-CV2025-1068, filed in the 30th Judicial District Court for Wichita County, Texas. Between January 21 and January 22, 2025, cybercriminals gained unauthorized access to ANB&T’s computer network, potentially exposing Social Security numbers, passport numbers, driver’s license numbers, financial account information, medical records, health insurance details, dates of birth, names, and addresses. If you received a written notification from ANB&T about this breach, you are likely eligible for one of three benefit tiers — up to $4,500 in documented loss reimbursement, a flat $50 alternative cash payment, or a year of three-bureau credit monitoring with $1 million in identity theft insurance. This article walks through each step of the online filing process, compares the three claim options, and flags common mistakes that could delay or disqualify your submission.
Table of Contents
- How Do You File the ANB&T Data Incident Settlement Claim Online Step by Step?
- Who Qualifies for the ANB&T Data Breach Settlement and What Was Exposed?
- Comparing the Three Settlement Benefit Options
- What Documentation Do You Need to Maximize Your Claim?
- Common Mistakes That Could Delay or Disqualify Your Claim
- What Prompted the ANB&T Data Breach Lawsuit?
- What Happens After You File Your ANB&T Settlement Claim?
- Frequently Asked Questions
How Do You File the ANB&T Data Incident Settlement Claim Online Step by Step?
Start by visiting the official settlement website at anbtdatasettlement.com. Before you do anything else, locate the physical notice that ANB&T mailed to you — it contains your unique Settlement ID, which the online form requires before it will let you proceed. If you have thrown the letter away or cannot find it, the settlement website typically provides a lookup option or contact information for the Settlement Administrator who can reissue your ID. Do not attempt to use a made-up number or someone else’s identifier; each Settlement ID is tied to a specific individual whose data was compromised. Once you are on the site and have your Settlement ID entered, you will choose your claim type. Option 1 covers documented out-of-pocket losses up to $4,500, Option 2 is a $50 flat alternative cash payment for those who do not have documented expenses, and Option 3 provides one year of three-bureau credit monitoring plus $1 million in identity theft insurance.
You may be able to combine Option 3 with either Option 1 or Option 2 where eligible, so read the form instructions carefully before selecting only one box. After choosing, if you selected Option 1, the form will prompt you to upload supporting documentation — receipts, bank statements, credit monitoring invoices, or a log of time you spent dealing with the breach. If you chose Option 2 or Option 3 alone, you can proceed directly to submission. After filling out the required fields and attaching any documents, review everything and hit submit. You should receive a confirmation number or email. Save it. If you prefer not to file online, you can download a paper claim form from the same website and mail it to the Settlement Administrator at the address listed there, but the online route is faster and gives you an immediate confirmation of receipt.
Who Qualifies for the ANB&T Data Breach Settlement and What Was Exposed?
Eligibility is straightforward but narrow. you must be a U.S. resident who received a written notification from American National Bank & Trust stating that your private information was potentially accessed, viewed, or obtained during the January 21, 2025 data incident. If you did not receive that mailed notice, you are most likely not part of the settlement class — even if you are an ANB&T customer. The notice is the defining criterion, not simply having an account with the bank. The scope of exposed data is unusually broad for a single breach.
According to ANB&T’s own disclosure, which was filed with the Vermont Attorney General on May 23, 2025 and posted on amnat.com as a “Notice of Security Incident,” the compromised information includes Social Security numbers, passport numbers, driver’s license numbers, government-issued ID numbers, financial account information, medical information, health insurance information, dates of birth, names, and addresses. Not every affected individual had every data type exposed — the specific categories vary by person and are detailed in the individual notice you received. However, if you were notified but believe no harm came from the breach, you are still eligible. You do not need to prove that your data was actually misused to file a claim. The $50 alternative payment and the credit monitoring option exist specifically for people who have not yet suffered tangible losses but whose information was nonetheless compromised. That said, if you later discover fraudulent activity tied to the breach, you cannot go back and upgrade a $50 claim to a $4,500 documented loss claim after the deadline passes, so weigh your options before filing.
Comparing the Three Settlement Benefit Options
Option 1 reimburses documented out-of-pocket expenses up to $4,500. This covers a wide range of losses: fraudulent charges on your accounts, fees you paid for credit freezes or monitoring services, costs associated with identity theft recovery, and even time you spent dealing with the fallout at a rate of $25 per hour. For example, if you spent eight hours on the phone with your bank disputing unauthorized transactions, that alone accounts for $200 in compensable time. Add in a $30 monthly credit monitoring subscription you purchased after the breach, receipts for certified mail you sent to credit bureaus, and a $150 fraudulent charge your bank did not fully reverse, and a claim can add up quickly. Option 2 is the $50 flat alternative cash payment. This is designed for class members who either did not suffer measurable financial harm or who do not have the documentation to prove it.
Fifty dollars is not a large sum, but it requires no receipts, no time logs, and no proof of anything beyond your eligibility as a notified individual. For many people, particularly those who froze their credit promptly and have not seen suspicious activity, this is the practical choice. Option 3 — one year of three-bureau credit monitoring plus $1 million in identity theft insurance — is available to all class members regardless of which cash option they select. If you already pay for a credit monitoring service, this could save you that expense for a year. The identity theft insurance component provides a financial backstop if someone does use your stolen data to open accounts or rack up debts in your name. The $1 million coverage limit is high enough to cover most identity theft scenarios, though the specific terms and exclusions of the insurance policy will be detailed in the enrollment materials.
What Documentation Do You Need to Maximize Your Claim?
If you are going after the full $4,500 under Option 1, your documentation needs to be organized before you start the online form. The upload interface on settlement claim sites is rarely forgiving — if you time out or lose your session, you may need to start over. Gather bank or credit card statements showing unauthorized charges, invoices or receipts for any credit monitoring service you purchased after learning of the breach, records of fees you paid for credit freezes or reports, and any correspondence with financial institutions or credit bureaus related to fraud stemming from the incident. For time spent, the settlement allows reimbursement at $25 per hour. Keep a written log that includes dates, descriptions of what you did, and how long each task took. “Called Bank of America fraud department, 45 minutes” is the kind of entry that holds up.
Vague entries like “dealt with breach stuff, several hours” are more likely to be reduced or rejected by the Settlement Administrator. There is no specific form required for the time log, but a spreadsheet or typed document is cleaner than a handwritten note. The tradeoff is real: assembling thorough documentation for Option 1 takes effort, and if your actual losses are modest — say, under $75 — you may spend more time preparing the claim than the incremental payout over the $50 flat payment is worth. Run the numbers before you commit to Option 1. If your documented losses genuinely approach the $4,500 cap, the effort is well justified. If they hover around $100, consider whether the extra paperwork changes your calculus compared to simply taking the $50.
Common Mistakes That Could Delay or Disqualify Your Claim
The most frequent error is missing the deadline. Claims must be submitted online or postmarked by April 21, 2026. The settlement website will almost certainly stop accepting online submissions at 11:59 PM on that date, and the system does not care that you meant to file last week. Set a reminder now if you have not already filed. Another common problem is entering the wrong Settlement ID or misspelling your name in a way that does not match the records ANB&T provided to the Settlement Administrator. The system cross-references your submission against the class member database, and discrepancies can flag your claim for manual review or outright rejection.
Use the exact name and address that appeared on the notice you received, even if you have since moved or legally changed your name — you can note updates separately on the form. A less obvious pitfall applies to people who also opted out. The opt-out deadline for this settlement is March 23, 2026. If you submitted an opt-out request, you cannot also file a claim — the two are mutually exclusive. Opting out preserves your right to sue ANB&T independently, but it forfeits your eligibility for any of the three settlement benefits. If you are unsure whether you previously sent an opt-out letter, contact the Settlement Administrator before filing a claim to confirm your status.
What Prompted the ANB&T Data Breach Lawsuit?
ANB&T first disclosed the breach in May 2025, sending notices to affected consumers and filing with state attorneys general, including a Vermont AG filing dated May 23, 2025. The bank also posted a public “Notice of Security Incident” on its website at amnat.com acknowledging that cybercriminals had infiltrated its network on January 21, 2025. Multiple law firms, including Murphy Law Firm, Cole & Van Note, Strauss Borrelli, and Markovits Stock & DeMarco, launched investigations or filed related legal actions on behalf of affected individuals. The consolidated case, Kelly Banner, et al.
V. American National Bank & Trust, produced the settlement now open for claims. The roughly four-month gap between the breach occurring in January 2025 and ANB&T’s public disclosure in May 2025 drew scrutiny. During that window, affected individuals had no way of knowing their sensitive data — including Social Security numbers, medical records, and financial account details — may have been in the hands of unauthorized third parties. That delay is part of what fueled the litigation and led to the settlement terms now available.
What Happens After You File Your ANB&T Settlement Claim?
After submitting your claim, the Settlement Administrator will review it for completeness and eligibility. If anything is missing or unclear, you may receive a deficiency notice asking for additional information — respond promptly, as there is usually a short window to cure deficiencies before your claim is denied. Approved claims will be paid after the settlement receives final court approval and any appeals are resolved, a process that can take several months beyond the claim deadline.
For those who elected credit monitoring under Option 3, enrollment instructions will be sent separately once the settlement is finalized. Keep your contact information current with the Settlement Administrator so you do not miss these communications. If you move before the settlement pays out, update your mailing address through the settlement website or by contacting the administrator directly. Settlement checks sent to old addresses and returned as undeliverable are one of the most common reasons class members never receive their payment.
Frequently Asked Questions
Where do I find my Settlement ID for the ANB&T data breach claim?
Your unique Settlement ID is printed on the written notice that ANB&T mailed to you. If you cannot find it, contact the Settlement Administrator through the official settlement website at anbtdatasettlement.com for assistance.
Can I file a claim if I am an ANB&T customer but did not receive a notice?
Eligibility is limited to U.S. residents who were mailed written notification by ANB&T about the January 21, 2025 data incident. If you did not receive a notice, you are likely not part of the settlement class. Contact the Settlement Administrator to verify.
Can I claim both the $50 alternative payment and the credit monitoring?
The settlement allows combinations where eligible. Review the claim form instructions carefully, as you may be able to select credit monitoring (Option 3) alongside either the documented loss reimbursement (Option 1) or the $50 flat payment (Option 2).
What if I already opted out of the settlement — can I still file a claim?
No. The opt-out deadline was March 23, 2026. If you submitted an opt-out request, you cannot file a claim. Opting out preserves your right to pursue independent legal action against ANB&T but forfeits settlement benefits.
How long after filing will I receive payment?
Payments are distributed after the settlement receives final court approval and any appeals are resolved. This process typically takes several months after the April 21, 2026 claim deadline. Keep your contact information updated with the Settlement Administrator to avoid delays.
What qualifies as a documented out-of-pocket expense under Option 1?
Eligible expenses include fraudulent charges, credit freeze or monitoring fees, identity theft recovery costs, and time spent dealing with breach-related issues at $25 per hour. You will need receipts, bank statements, invoices, or a detailed time log to support your claim.