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FEATURES

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  • Ideal for persons 24 years old to 54 years old
  • Open your account with a minimum of JA$2500
  • JN 24/7 ATM card
  • Competitive interest rates
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BENEFITS

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  • Discounts from almost 200 merchants with your JN card
  • Online banking using JN LIVE 
  • Free transactions at JN ATMs
  • 10% discount on Jamaica Automobile Association membership fee
  • 20% discount on motor vehicle insurance with JN General Insurance Company Ltd.
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Apply Online
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  • You must be 18 years or older
  • Proof of your address. At least one of the following:
    • Utility bill not older than six months
    • Receipt
    • Other bills
  • Proof of employment- letter from employer, pay slip, valid work ID (if self-employed, the nature of self-employment)
  • Telephone number(s) – (home, work and mobile)
  • Current and valid photo identification
  • Taxpayer Registration Number (TRN) OR Jamaican Driver’s licence bearing this number
  • Occupation and name of employer (if self-employed, the nature of self-employment)
  • Name and contact number for Two (2) references
  • The minimum amount of JA$2500 required for opening the account
  • Source of funds/ Proof of income
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Interest Rates (per annum)

JMD
Bands Rate EAIR
0 - 49,999 0.02% 0.0200%
50,000 - 99,999 0.02% 0.0200%
100,000 - 199,999 0.02% 0.0200%
200,000 - 249,999 0.05% 0.0500%
250,000 - 499,999 0.05% 0.0500%
500,000 - 999,999 0.05% 0.0500%
1,000,000 - 1,999,999 0.05% 0.0500%
2,000,000 - 4,999,999 0.10% 0.1000%
5,000,000 and Over 0.10% 0.1000%
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How is interest calculated on my JN Target account?

The interest on your savings account is calculated daily and paid once per year.

Is the interest on my money in my JN Target account taxed?

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

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

Banking with JN is convenient and easy. 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 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 www.jnbslive.com.

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

Of course you can. Register to use our online banking platform, JN LIVE, by visiting www.jnbslive.com, and transfer funds from your account to other JN accounts or accounts at other local commercial banks. You can also wire funds to banks overseas using JN LIVE.

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

No, you cannot use savings in your JN Target 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 a JN Target 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 at this time. Visit our Contact Us page to find your closest JN MoneyShop or branch.

Do I have access to any benefits from the JN Group by having a JN Target account?

With your JN Target account, you benefit from no deposit fees and free transactions at all JN ATMs. In addition, you can access 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 ATM card to access discounts from nearly 200 merchants who are a part of the JN Merchant Discount programme.

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* 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

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