• 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/Cash Secured Loan


  • 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

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

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 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.

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