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Positive Pay

Checks and balances to protect your business. Positive Pay can help protect your business against fraudulent checks, saving you time, money and giving you greater peace of mind.

Sign up

To inquire about or to sign up for any of our Business Services call us at (505) 662-5171 and ask for our Electronic Banking Center.

Postive Pay Features

  • Prevent check fraud by using digital confirmation of multiple check descriptors
  • If a fraudulent check is found we will send automatic online notification
  • Ability to view an image of the exception item
  • No fee for this service

How Positive Pay works:

Issued checks will be required to match: 

  • the account number
  • the check number 
  • and dollar amount

All three components of the check must match exactly or the check will not get paid, unless approved by you. In addition, if the check is presented for cash at one of our offices, the service matches the payee name.

As checks are issued, you send a file of the issued checks to LANB. When checks are presented for payment at LANB, they are compared to the issued checks list. If a check is presented that does not have a match in the file, we will notify you via Online Banking where you can view an image of the exception item. LANB will either pay or return the check per your instructions.


Learn more about LANB's other Business Services.

Interest Rates

Business Purchase
6.000% IR : 6.000% APR

Business Refinance
6.000% IR : 6.000% APR

Lines of Credit
6.000% IR : 6.000% APR

View Rates