Try Invisible Admin security
Access asks users for a logon password only if a password is on the default Admin account. IF Admin does not have a password, all users log on as Admin by default with no password prompt, even if other users in the workgroup have passwords. You can use this to setup invisible security.
Develop your db in a secure workgroup by loging on as the user that owns all the objects. Assign the restricted permissions you want everyone else to have to the Admin user then remove the Admin user's password. You'll then have invisible secuirty that works no matter which workgroup a user is part of, even the standard default system.mdw
To get beyond the secuirty you must set up a shortcut to Access with the commandline option /user and /pwd. This will force the logon screen to come up. Then, knowing your developer level userID & password you can gain full access.
This is a great way to have a database set up for mutliple users across the LAN/WAN or remote sites via modem without having to administer a million passwords.
Hope this helps
Peter