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  • Open your account with a minimum of JA$100,000
  • Deposits are limited to no more than $1M within each 12 months period and no more than a total of $5M over the 5 year tenure
  • Contractual Savings Period – 2, 3 or 5 years
  • Higher interest rates
  • Certificate of Deposit


  • Discounts from almost 200 merchants with your JN card
  • Online banking using JN LIVE
  • 10% discount on JAA membership fee
  • 20% motor vehicle insurance with JNGI
  • Bonus Interest  is applicable to 5 years accounts only
  • Tax-free eligibility – applicable to 5 years accounts only

A structured plan geared towards goal oriented savers. These plans and their incentives are targeted toward specific life events/milestones – Home Ownership, Motor Vehicle Purchase, Education, Emergencies, Retirement. Plans are geared towards saving for education, buying a home and for life’s emergencies

Are you a household worker; a self-employed person, such as a barber, hairdresser or construction worker; or a beneficiary of a government assistance programme, such as PATH? Click here for information on how to open your account

  • You must be a Jamaican 18 years or older
  • Valid photo identification
  • Taxpayer Registration Number (TRN)
  • Proof of your address (utility bill, receipt or other bills).
  • Telephone number(s) – (home, work and mobile)
  • Current and  valid identification
  • Tax payer 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

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 Long-term Savings Account?

Your interest is calculated daily and applied annually.

Is the interest on money in my JN Long-term Savings Account taxed?

The interest on your savings is tax-free if you save for the fixed five-year term. All other savings tenures are subject to withholding taxes.

How can I check the balance in my JN My Future account without visiting a branch or MoneyShop?

Keeping track of your savings in your Long-term Savings Account account is easy with JN. You can check the balance in your account, anywhere and anytime by registering for JN LIVE Text Banking. To register, visit a JN branch, where a member service representative will take you through the process. You will be asked to complete a form and to provide an ‘Account Alias’. After you’ve registered, you’ll receive a card with the easy steps on how to check your account balance using our text service.

You may also check your account and conduct many other banking transactions online by registering for JN LIVE Online Banking at

Can I transfer funds from my JN My Future account to other accounts online?

Funds may not be transferred from a BeWise account to any other JN Bank account via online banking.

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

No, you cannot use savings in your JN Long-term Savings Account account to secure loans from JN.  You can only use savings in select JN contractual savings accounts to access a Term Share loan such as the High Yield, Direct Gain, First Class and JN Prime accounts.

Can I open my JN My Future account at a JN MoneyShop?

Yes you may visit any JN MoneyShop to open your account from Monday to Friday. However, we do not open accounts on Saturdays. Visit our Contact Us page or choose convenience and apply online.

What benefits from the JN Group do I have access to when I open a JN Long-term Savings Account account?

Your JN Long-term Savings Account account gives you access to a wide range of discounts at other companies within the JN Group, such as the Jamaica Automobile Association and JN General Insurance Company; and you can use your JN card to access up to 20% discount from close to 200 merchants who are a part of our JN Merchant Discount programme.

Bands 2 YEARS  EAIR 3 YEARS  EAIR 5 years
100,000-1,999,999 3.25% 3.2989% 3.35% 3.4019% 3.55%
2,000,000 - 5,000,000 3.75% 3.8151% 3.85% 3.9187% 4.00%

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