Quick Answer: American National Bank & Trust suffered a data breach in January 2025 that exposed customers’ Social Security numbers, passport numbers, and financial account information. The settlement pays up to $4,500 for documented losses ($50 without documentation) plus one year of credit monitoring for all eligible members. The deadline to file a claim is April 21, 2026.
Your bank has one job when it comes to your personal data: protect it. When American National Bank & Trust let an “unauthorized actor” walk off with customers’ Social Security numbers, passport numbers, and financial account information in January 2025, they failed at that fundamental responsibility.
Now they’re offering settlement checks—up to $4,500 if you can document your losses, or $50 if you can’t. That’s better than nothing, but let’s be clear: a $50 check doesn’t come close to making someone whole after their identity gets stolen.
If you were an American National Bank & Trust customer during the breach, file your claim. Here’s what you need to know.
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What Happened
In January 2025, someone breached American National Bank & Trust’s network and stole a massive amount of customer data. We’re not talking about just email addresses here—this was the full identity theft starter kit:
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- Names
- Dates of birth
- Social Security numbers
- Tax ID numbers
- Driver’s license and state ID numbers
- Passport numbers
- Financial account information
- Payment card information
- Certain medical information
The bank denies wrongdoing, of course. That’s standard legal language in settlements. But the fact remains: they had your data, and now someone else has it too.
What the Settlement Pays
Max With Documented Losses
Without Documentation
Claims Deadline
If you can document actual losses from the breach—fraudulent charges, identity theft costs, fees to freeze your credit—you can claim up to $4,500. Keep your receipts.
If you can’t prove specific losses but you were affected by the breach, you still get $50. It’s insulting given what’s at stake, but file anyway.
Every eligible class member also receives one year of three-bureau credit monitoring and $1 million in identity theft insurance. That’s the baseline—take it.
Important Dates
- April 21, 2026: Deadline to file a claim
- March 23, 2026: Deadline to opt out or object to the settlement
- April 28, 2026: Final approval hearing
How to File Your Claim
Go to anbtdatasettlement.com and submit your claim online. You’ll need:
- Your name and contact information
- Documentation of any losses (if claiming more than $50)
- Bank account or mailing address for payment
File before April 21, 2026. Miss that deadline and you get nothing.
What to Do After a Data Breach
Whether you file a claim or not, your data is out there now. Here’s what you need to do to protect yourself:
- Freeze your credit with all three bureaus. It’s free, and it prevents anyone from opening new accounts in your name. Unfreeze it temporarily when you need to apply for credit yourself.
- Monitor your bank and credit card accounts. Check your statements every month for charges you don’t recognize.
- File your taxes early. Tax refund fraud is common after SSN breaches. Beat the scammers by filing before they do.
- Watch out for phishing scams. Scammers know your data was breached. They’ll send emails and texts claiming to be from the bank or the settlement administrator. Don’t click links in unsolicited messages.
- Sign up for the free credit monitoring. It’s included in the settlement. Use it.
If this breach creates financial problems that spiral into debt you can’t handle, don’t let shame or panic drive your decisions. Get information about your options—all of them—and make an informed decision that serves your future. You can start here: Find Your Path.
Warning: Data breaches often lead to identity theft months or even years later. Don’t assume you’re safe just because nothing has happened yet. Keep monitoring your credit and accounts.
The Bottom Line
American National Bank & Trust failed to protect your data. A $50 check doesn’t fix that, but it’s what’s available. File your claim, take the free credit monitoring, and protect yourself going forward.
Your bank should have kept your data secure. They didn’t. Now you have to clean up the mess.
(Source: Daily Hodl | Settlement Details: ClaimDepot)
Frequently Asked Questions
How do I know if I’m eligible for the American National Bank data breach settlement?
You’re eligible if you were a customer of American National Bank & Trust and your personal information was compromised in the January 2025 data breach. The settlement administrator should have sent you a notice if you’re part of the class. If you’re unsure, visit anbtdatasettlement.com to check your eligibility.
What counts as “documented losses” for the $4,500 claim?
Documented losses include fraudulent charges on your accounts, fees you paid to freeze or monitor your credit, costs related to identity theft recovery (like hiring a lawyer or credit repair service), and time spent dealing with the breach (at $25/hour up to certain limits). Keep all receipts, statements, and records to support your claim.
Can I get more than one year of credit monitoring?
The settlement provides one year of three-bureau credit monitoring for all eligible class members. If you want continued monitoring after that year, you’ll need to pay for it yourself or find a free service. Many credit cards and banks now offer free monitoring as a standard feature.
What if I don’t file a claim by the April 21 deadline?
You forfeit your right to the settlement payment and the free credit monitoring. The deadline is firm—there are no extensions. If you’re eligible, file your claim now rather than waiting until the last minute.
Should I opt out of the settlement to sue the bank individually?
Opting out preserves your right to sue American National Bank & Trust on your own, but individual lawsuits are expensive and time-consuming with no guarantee of a better outcome. Unless you have significant documented damages and access to a lawyer willing to take your case, accepting the settlement is probably your best option. The opt-out deadline is March 23, 2026.
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