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Banking FAQs


More Questions?
Visit an LANB office location or call (505) 662-5171, and one of our Customer Service specialists will help answer your question. Contact us.

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Account Questions

What do I need to open an account? For a personal account, you will need to bring:                

  • Valid Picture ID                
  • Social Security Number/EIN                
  • Date of Birth
  • Proof of Physical Address

For a minor account:              

  • Social Security Card

For a business account, you will need to bring:              

  • Appropriate documentation establishing business (LLC Resolution and Articles of Organization, Corporate Resolution, Article of Incorporation, By-Laws, etc.)  -Proof of Tax ID Number (copy of recent tax return or letter from IRS assigning TIN)                
  • Proof of Legal Name                
  • Proof of Physical Address                
  • Names/Picture ID’s for all authorized signors on account  

What types of accounts do you offer?
We offer a variety of accounts to fit your needs. See personal banking accounts.

How old do I have to be before I can open an account? 
You must be 18 to have an account without a legal guardian as joint signor.  

If I am under 18, do I have to have my parent on the account with me?
If you are under 18, you must have your legal guardian on the account as joint signor.

Can I open an account with LANB online?
At this time, LANB offers you the ability to apply for an account online, but customers are still required to come into one of LANB’s four offices to sign and finalize paperwork.

Do you have bill pay services? 
LANB offers free bill pay services on our internet banking. Learn more about LANB's free bill pay service.

Can I open an account with no deposit?
We suggest that you deposit at least $1.00 to activate the account and allow the account to begin accruing interest.

Is there a cutoff time for deposits?            
All deposits made at an LANB branch before the close of business, either at the Teller Line or Drive-Up, will be credited the same business day.  Deposits made through an ATM will be credited the same business day if made before 1 PM and the next business day if made after 1 PM.  All internal (LANB to LANB) transfers done on Access Banking will be credited the same business day if entered before 7 PM and the next business day if made after 7 PM.


Deposits at Teller Line or Drive Up

Deposits at ATMs

Online Transfers

Credited Same Business Day

By 5 pm for Teller Line, 6 pm Drive Up

By 1 pm

By 7 pm

Credited Next Business Day


After 1 pm

After 7 pm

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What is FDIC? 

The FDIC (Federal Deposit Insurance Corporation) is an independent agency of the United States government that protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC's creation in 1933, no depositor has ever lost even one penny of FDIC-insured funds.

Are My Deposits Insured? 

FDIC insurance covers all deposit accounts, including checking and savings accounts, money market deposit accounts and certificates of deposit.  The standard insurance amount is $250,000 per depositor, per insured bank, for each account ownership category.

What are the deposit Insurance limits?  

Use the FDIC EDIE calculator to see if you have full deposit insurance on your accounts.

I have an IRA and a trust account for my children. How can I find out if they are insured?

The FDIC provides two guides to deposit insurance - Insuring Your Deposits and Your Insured Deposits. Insuring Your Deposits is a basic guide, while Your Insured Deposits provide more comprehensive information. The FDIC also provides more specific information such as FDIC Guide to Calculating Deposit Insurance Coverage for Revocable and Irrevocable Trusts and details more examples in Deposit Insurance Coverage Frequently Asked Questions

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Services and Hours

What are your hours? 

Please see the "Office Hours" page.

Are you open Saturdays? 

Yes. Click here to view which locations are open: Office Hours.

Where are your ATMs Located?  

We have various ATM locations in the Northern New Mexico Area.
ATM Locater

Is there a spending limit on my debit card?  

Yes.  For security reasons, most debit cards are defaulted to a daily spending limit of $500 for consumer cards and $1000 for business cards.  You can come n or call anytime during normal business hours to have the limit raised temporarily provided that the increased limit does not exceed your available account balance.

Does LANB Buy/Sell Foreign Currency?            

Yes.  You can find information regarding foreign currency on our website or by contacting our International Services either in person or over the phone. Go to International Services page.

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Fees and NSF

Is there a fee for an overdrawn account?            

Accounts are charged an overdraft fee for each posted item that causes an account balance to become negative.  These fees are assessed at the end of the business day if no deposit is made to cover the items causing a negative balance.  There is no daily fee for a negative balance and no separate fee for a returned item. There is a fee for this service. Check here to view fees associated with this service.

How can I prevent an item from being returned for insufficient funds?            

If an account becomes overdrawn, you will have until 1 pm on the next business day to make a deposit to cover the negative balance to ensure that no items are returned for insufficient funds.

Is there a fee for a stop payment?            

There is a fee for this service. Click here to view fees associated with this service. Fee Schedule

Is there a fee for using an ATM?            

LANB customers are not charged a fee for using an LANB ATM. LANB will charge a fee for each transaction completed through a Non-LANB ATM. Click here to view fees associated with this service. The financial institution that operates the ATM may charge an additional fee, which should be disclosed to you at the time of the transaction.

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Interest Rates

Call a LANB Loan Officer for the latest interest rates.


Help Center

Visit our Help Center for frequently asked questions, a glossary of common banking terms, and Online Banking tips.