American National Bank & Trust Data Breach Settlement

Individuals who received a written notification from American National Bank & Trust informing them a data incident that occurred on Jan. 21, 2025, may have compromised their personal information could be eligible to claim up to $4,500 plus credit monitoring from a class action settlement.

American National Bank & Trust agreed to settle a class action lawsuit alleging an unauthorized user accessed its network and exposed sensitive customer data. The lawsuit claimed ANB&T failed to adequately protect personal information, including names, addresses, Social Security numbers, government-issued identification, financial account details and health information.

Who can file a claim?

Class members must meet all of the following criteria:

• They reside in the United States.
• They received a written notification from ANB&T stating the data incident that occurred on or about Jan. 21, 2025, allowed an unauthorized party to access, view or obtain their personal information.

The types of personal information potentially affected include:

• Names
• Addresses
• Social Security numbers
• Driver’s license numbers
• Government-issued ID numbers (such as passports or state ID cards)
• Financial account numbers and/or credit or debit card numbers
• Medical information
• Health insurance information
• Dates of birth

How much can class members get?

Class members may be eligible for several types of compensation, depending on their circumstances and preferences.

• Documented out-of-pocket expense reimbursement: Class members who incurred expenses as a result of the data incident can claim up to $4,500 by submitting a valid claim with documentation. Eligible expenses include:
• Unreimbursed bank fees (such as overdraft, over-the-limit or late fees)
• Long-distance phone charges
• Cell phone charges (only if charged by the minute)
• Data charges (only if charged based on usage)
• Postage costs
• Gasoline for local travel
• Internet usage charges (if charged by the minute or incurred solely due to the data incident)
• Costs of credit reports purchased between May 23, 2025, and April 21, 2026
• Documented costs for credit monitoring or fraud resolution services purchased between May 23, 2025, and April 21, 2026, provided the class member purchased them primarily because of the data incident

• Alternative cash payment: Class members who do not wish to submit documentation for out-of-pocket losses or are not claiming reimbursement for documented losses can instead claim a flat $50 payment.
• Credit monitoring: All class members may claim one year of credit monitoring and identity theft protection services, which include three-bureau monitoring and at least $1,000,000 in identity theft insurance.

How to claim a settlement payout

Class members can submit the online claim form or download, print and complete the PDF claim form and mail it to the settlement administrator. The claim deadline is April 21, 2026.

Settlement administrator's mailing address: ANBT Data Settlement, c/o Settlement Administrator, P.O. Box 25226, Santa Ana, CA 92799

What proof or documentation is required to submit a claim?

• All class members must provide the unique ID from the settlement notice they received. Online claimants must also provide the PIN from the same notice. Those who are unable to locate their unique ID and PIN should contact the settlement administrator by emailing info@ANBTDataSettlement.com and providing their full name and mailing address.
• To claim reimbursement of documented out-of-pocket losses, class members must provide supporting documentation for each expense. Acceptable forms of documentation include bank or credit card statements, phone or internet bills, receipts or other proof of purchase. Class members must also attest that the data breach most likely caused the losses and that they have exhausted any applicable insurance coverage.
• To claim the alternative $50 cash payment and/or credit monitoring, class members only need to select the option on the claim form.

Payout options

• Mailed check
• Electronic payment
• Credit monitoring activation instructions sent by email or mail

Settlement fund breakdown

The settlement fund includes:

• Costs of settlement administration: To be determined
• Attorneys’ fees, costs and litigation expenses: Up to $500,000
• Service awards to class representatives: Up to $1,500 each
• Credit monitoring benefit costs: Determined by number of valid claims for this benefit
• Payments to eligible class members: Determined by number of valid claims for this benefit

American National Bank & Trust will pay the costs of security improvements separately from the settlement fund.

Important dates

• Opt-out (exclusion) deadline: March 23, 2026
• Claim deadline: April 21, 2026
• Final approval (fairness) hearing: April 28, 2026

When is the American National Bank & Trust data incident settlement payout date?

The settlement administrator will issue payments for valid claims approximately 30 days after it approves the claim or 60 days after the court resolves any appeals and grants final approval to the settlement, whichever is later.

Why did this class action settlement happen?

The class action lawsuit alleged unauthorized access to American National Bank & Trust's network resulted in the exposure of sensitive personal information. The plaintiffs claimed ANB&T failed to adequately safeguard customer data.

ANB&T denies any wrongdoing, but both sides agreed to settle to avoid the costs, risks and uncertainty of further litigation.

Sources

1. Class notice
2. Claim form
3. Settlement agreement
4. Settlement FAQ
5. Important dates