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  • Open your account with a minimum of JA$5,000, US$100, £100 or CA$100
  • Minimum monthly amount to be paid ( JA$5,000, US$100, £100 or CA$100)
  • Available to persons residing in the United States of America, Canada and the United Kingdom
  • Save for a fixed period of one year
  • Fixed interest rate
  • Interest calculated daily and paid at maturity
  • Option to make a lump sum or regular deposits to your account
  • Make deposits by salary deductions or standing orders
  • Use funds in your account as collateral for JN Term Share/Cash Secured Loan


  • Automatic registration for online and text banking
  • Online banking using JN LIVE
  • 10% discount on JAA membership fee
  • 20% discount on motor vehicle insurance from JNGI
  • You must be 18 years or older
  • Valid photo identification
  • Taxpayer Registration Number (TRN)
  • Proof of your address. At least one of the following: Utility bill not older than six months, receipt, or other bills
  • Telephone number(s) – (home, work and mobile)
  • Taxpayer Registration Number (TRN) OR Jamaican Driver’s licence bearing this number OR its overseas equivalent (Social Security Number (SSN) US Resident, Social Insurance Number (SIN) – Canadian Resident), National Insurance Number (NIN) – UK Resident
  • Occupation and name of employer (if self-employed, the nature of self-employment)
  • Two (2) references
  • Source of funds/ Proof of income

Local Applicants (Residents):

  • Fully Completed CIF for all applicants
  • Proof of Residential Address (recent utility bill, bank statement, other official mail, property tax receipt, lease agreement or rent receipt (rent receipts should indicate clearly the address of the property))
  • Proof of Employment (letter from employer, recent pay slip)
  • Current & Valid Identification
  • Tax payer Registration Number (TRN) OR Jamaican Driver’s licence bearing this number
  • Name & Telephone Contact of 2 Character References
  • Completed Account Signature Card
  • Completed Self Employment Verification Form
  • Completed Self Certification Form (Individual)

* If a child below 16 years is to be added to this account, the child’s Birth Certificate is required.

Overseas Applicants (Non-Residents):

  • Fully Completed CIF for all applicants
  • 2 Proof of Residential Address (Notarized copy of recent utility bill or bank statement)
  • Proof of Employment (letter from employer, recent pay slip)
  • 2 Current & Valid Identifications duly notarized. (For Non-Jamaicans, at least one (1) ID must be a passport or permanent resident card)
  • 2 Completed Character Reference Form (Non-Jamaicans need at least 1 referral from a reputable financial institution)
  • Notarized copy of Birth Certificate for Minors and Non-Jamaicans
  • Notarized copy of your Tax Number
  • Completed Account Signature Card
  • Letter detailing instructions to JN Bank to establish new account and any additional instructions. (Include your choice of savings and reason for opening account in Jamaica in letter)
  • Completed Self Employment Verification Form
  • Completed Self Certification Form (Individual)

If the original documents are presented to the UK Rep Office, do not need to be notarized.

How is interest calculated on my JN High Yield account?

The interest in your JN High Yield account is calculated daily and applied at the end of the one-year savings period.

Is the interest on my money in my JN High Yield taxed?

Yes. The interest on your savings is subject to a withholding tax of 25%.

How can I check the balance in my JN High Yield account without visiting a branch or Money Shop?

Banking with JN is convenient and easy. You can check the balance in your account at your convenience using our online banking platform JN LIVE. To register, visit

Can I transfer funds from my JN High Yield account to other accounts online?

Of course you can! Register to use LIVE by JN Online Banking by visiting and transfer funds from your account to other JN accounts or accounts at other local banks. You can also wire funds to banks overseas using LIVE by JN.

Can I borrow against funds in my JN High Yield account to access a loan from JN Bank?

Yes you can. You may use the savings in your account to secure a Term Share Loan from JN Bank. You can borrow up to 80% of what you have saved.

Can I open my JN High Yield account at a JN MoneyShop?

Yes, you may visit any JN MoneyShop to open your account. Visit our ATM/ Branch Locator page to find your closest JN MoneyShop or branch and opening hours.

What benefits do I have access to from the JN Group when I open a JN High Yield account?

Yes, you can access a wide range of discounts at other companies in the JN Group, such as the Jamaica Automobile Association and JN General Insurance Company; and, you can use your JN ATM card to access discounts from several merchants who are a part of the JN Rewards programme.

Is the account available to persons who reside outside of Jamaica?

Yes. Residents in the diaspora who want to open a JN High Yield Account can access same through the nearest Representative Office.

What is the minimum monthly pledge amount?

JA$5,000 or US$100, £100 or CA$100

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