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 Access Banking Security, page 3
What do you do to protect my privacy?

First of all, we ask you to select an User ID. We store this User ID on a database within our secure network that tells us what your account numbers are.

Next, your Password is randomly selected by the computer and mailed to you, without anyone knowing it. This password is encrypted in the database, and you are required to change it upon your first session in Access Banking. From that point on, you can change your password as often as you like. Remember: You should never give your password to anyone, including LANB employees.

Select a strong password that is easy for you to remember, but very difficult for someone else to guess. 

Avoid the following when selecting a password:

  • Do not use your name, User Id, variation of your name (i.e. your name spelled backwards), nickname, spouse, child's name, pet's name, favorite football team, literary character, type of car, favorite sport, etc. These can be easily guessed by asking you a few questions or knowing a little about you.
  • Do not use common words in the dictionary.
  • Do not use an alphabetic or numeric series, either backwards or forwards (i.e. ABC, GFEDCBA, 1234 or 7654).
  • Do not use a string of identical letters or numbers (i.e. AAA or 111).

Use the following when selecting a password:

  • Use a combination of numbers and letters in your password.
  • Use a combination of upper and lowercase (i.e., iSdIMs).
  • Combine the first letters of each word of a phrase with numbers to create a password.
    • For example: start with a phrase such as "I sure do love my 7 year old dog". This can turn into a password like "IsdLm7yod". This password is much more difficult to crack.
    • To make a secure password that is easy to remember, start with a phrase of 5 to 9 words.
  • Do not start your password with a number
  • Do not use a common keyboard shortcut (i.e. ASDFG or QWERTY)

Other Tips:

  • Use different passwords for each account you have.
  • Change your passwords at regular intervals.
  • Never write your passwords down.
  • Never accept the browser option to save your password.
  • Be sure to log out and close your browser when you leave the computer.

Your secure Access Banking session cannot be interrupted once it is initiated. Your session will automatically terminate if you are not using the system after a certain time period. You may set the time period for this termination within Access Banking.

In addition, we have upgraded our systems to include state-of-the-art firewalls and encryption levels.

If you have any questions or concerns, please contact us at lanb@lanb.com.

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Special Financing Rates
for Home Purchases
Contact LANB for more details
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Conforming 30 yr. Fixed Mtg.
6.525%
Interest Rate
6.575%
APR¹
Jumbo 30 yr. Mtg.
3/1 CMT ARM
6.625%

 
5.978%

APR²
5/1 CMT ARM
7.000%

 
6.273%

APR²
For qualification details
Contact LANB
See below for all other mortgage rates

12 Month CD Plus as of 7/3/2008
2.600%
Interest Rate
2.630%
APY²

LOAN RATES as of 7/3/2008
Interest Rate APR¹
15 yr. Mtg. 6.045%   6.122%
Residential Construction 6.250%   7.300%
New Vehicle 6.000%   6.300%
Home Equity 5.000%   5.000%
DEPOSIT RATES as of 7/3/2008
Interest Rate   APY²
24 Mo. CD 2.500%   2.530%
36 Mo. CD 3.000%   3.050%
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