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    FEATURES

    • Open your account with a minimum of J$25,000, US$1000, £1000, CA$1000
    • Save for a fixed period of 30, 90, 180 or 365 days
    • Get a certificate of deposit
    • Interest calculated daily and paid at maturity
    • Use funds in your account as collateral for JN Term Share Loan

    BENEFITS

    • Pensioners will enjoy an additional premium of 0.25% on Jamaican Dollar and 0.125% on Canadian, Sterling and United States deposits
    • Enjoy Saturday banking at select JN MoneyShops
    • Online banking using JN LIVE
    • 10% discount on JAA membership fee
    • 20% discount on motor vehicle insurance from JNGI

    Jamaican Residents:

    • Completed customer information form
    • Two proofs of address- at least two types: notarised copy of recent utility bill and bank statement
    • Proof of employment: letter from employer, recent pay slip, or a valid work ID
    • Two current and valid identifications duly notarized
    • Two completed character reference forms
    • Notarized copy of birth certificate for minors
    • Notarized copy of your tax registration number
    • Completed account signature card
    • Letter detailing instructions to JNBS to establish new account and any additional instructions
    • Completed self employment verification form
    • Completed self certification form (Individual)

    Non-resident Jamaicans:

    • Completed customer information form
    • Two proofs of address- at least two types: notarised copy of recent utility bill and bank statement
    • Proof of employment: letter from employer, recent pay slip, or a valid work ID
    • Two current and valid identifications duly notarized (at least one ID must be a passport)
    • Two completed character reference forms
    • Notarized copy of birth certificate
    • Notarized copy of your tax registration number
    • Letter detailing instructions to JNBS to establish new account and any additional instructions (Include your choice of savings plan and reason for opening account in Jamaica by letter)
    • Completed self employment verification form
    • Completed self certification form (Individual)

    How is interest calculated on my JN Direct Gain account?

    Your interest is calculated daily and applied at the end of six months.

    Is the interest on money in my JN Direct Gain taxed?

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

    How can I check the balance in my JN Direct Gain 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 www.jnbslive.com.

    Can I transfer funds from my JN Direct Gain account to other accounts online?

    Of course you can! Register to use LIVE by JN Online Banking by visiting www.jnbslive.com 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 JN LIVE.

    Can I borrow against funds in my JN Direct Gain 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 Direct Gain 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 Direct Gain 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.

    * Notice of any rate change(s) will be provided in writing, by physical or electronic means, to our customers, 45 calendar days in advance of any such change(s) being implemented