As the COVID-19 global pandemic continues to affect the world, your JN has continued to support you during this difficult period.

    A comprehensive JN response programme was created in mid-2020 to support you, and our member companies continue to provide support to our members, customers, businesses and communities in your efforts to overcome the challenges.

    We will be here with you. Together, we will get through this!

    Understanding COVID-19

    The coronavirus disease 2019 (COVID-19) pandemic has affected almost every country in the world, including Jamaica, where the government has implemented healthcare, security and fiscal measures to fight the spread of this contagious disease.

    How is The JN Group Responding to COVID-19?

    As COVID-19 affects countries around the world, our primary focus, at The Jamaica National Group, is centred on the health, safety and welfare of our employees, members, customers and related stakeholders.

    The JN Group’s Emergency Management Team (EMT) has been closely monitoring the situation and has implemented various measures to minimise the risks to Group employees and our operations.

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    1. we have developed a COVID-19 Response Plan which outlines the Group’s response to the outbreak – including measures to minimize health and safety risks to employees and members;
    2. we will continue to provide ongoing awareness information and updates to employees, members and customers;
    3. we will be conducting enhanced cleaning measures at all locations for the duration of the outbreak;
    4. hand sanitizers have been distributed to all JN Group employees; and
    5. we have installed contactless hand sanitizers at all JN Group locations – inclusive of customer areas

    As we go through this period, please exercise due care and adhere to all travel and health advisories issued by respective government agencies, and limit non-essential overseas travel.

    Doing Business with us during this period

    We encourage all members and customers to use alternative or online channels instead of conducting business face-to-face, as much as possible.  Alternative channels include:

    ATMs, Drop Boxes, Online banking, JNGI Online, JN Money Online, Email and telephone

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    If you do come into any of our JN locations, please be aware that we are following government guidelines, which include restrictions on public gatherings to be no more than 10 persons, as well as ‘social distancing’ where persons should maintain a distance of approximately three feet (two metres or at least one arm’s length away).

    The health, safety and well-being of our JN Family remain our top priority. The JN Group is committed to meeting its duty of care to take measures to ensure the health and safety of our employees, members and customers.

    I encourage you and your families to do all that you can to stay safe.

    How the JN Group is Supporting You During this Period

    The Jamaica National Group has thrown a “lifeline” to its members and customers, considering the anticipated financial impact of the COVID-19 crisis on the Jamaican economy.

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    As a group of companies, which is built on ‘providing value,’ to our members and by extension, the communities in which we operate, JN believes that it is important to devise strategies to assist our members and clients who may experience economic hardships as a result of the pandemic.

    In anticipation of the needs that will emerge from the possible negative economic effects of the ongoing COVID-19 pandemic, The Jamaica National Group has structured several measures to support its members and customers.

    These measures span various financial and non-financial entities, including JN Bank, JN Small Business Loans Limited and the Jamaica Automobile Association.

    Support for members

    JN Bank will be offering the following options to members affected by COVID-19, to reduce any loan repayment burdens they may face. These options comprise the choice to:

    • Defer payments for up to 12 months on loans, with various options to finance debt when servicing resumes
    • Extend your loan tenure in order to reduce monthly instalments
    • Reduce the interest rate, where feasible
    • Convert your credit card debt or Line of Credit to an instalment loan
    • Convert your existing mortgage to a reverse mortgage, is you are more than 64 years-old and especially hard-hit the circumstances; or convert your existing mortgage to a graduated mortgage
    • Convert your short tenure debt to a mortgage

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    • Request a temporary increase in your JN Bank Visa Credit Card limit, if you are in good standing
    • Access the loan equivalent of principal repaid to date, on your loan from JN Bank to offset debts or expenses incurred during this period


    Beyond loans and debt restructuring, the following fees will be waived or reduced for 30 days, starting March 14, to support members and customers during this time.

    • Late payment fees on all loans
    • Fees on all transactions done via MultiLink ATMs
    • Fees on debit card purchases
    • Processing fees on loans granted under our Financial Assistance Programme
    • Debit and credit card replacement fees


    Beyond financial services, members of the Jamaica Automobile Association (JAA) may also continue to benefit from the following, free of charge:

    • Vehicle Registration Valet, at the Inland Revenue Department (Tax Offices); and, Fitness Valet, at the examination depots
    • 24/7 island wide crash and emergency roadside assistance
    • 24/7 access to its JAA ADVANCE Card, customer service and vendor support

    Support to businesses

    MC Systems Business Kit

    Businesses sometimes face unpredictable waters and without the right support, navigation becomes difficult. The prevailing global challenges are rogue waves, threatening sail for several companies. MC Systems understands and we’re here to help you captain through.

    Welcome to our COVID-19 Business Kit, created to keep you above water in rough seas. Let us support you with our recommended tech tools for business buoyancy.

    JN Bank, alongside its sister company, JNSBL, will also be providing support to businesses affected by COVID-19 on a case-by-case basis. The options available are as follows:

    • Deferred payments for up to 12 months on loans
    • Special relief financing with flexible repayment terms for small and medium enterprises
    • Payment holidays for businesses affected by COVID-19
    • Technical support and advisory services for small business operators via online sessions and seminars
    • Special products to support new clients who may need assistance and personal loans

    Support for communities

    For updates and information on COVID-19, we will be providing information and implementing initiatives via:

    • JN Group Circle clubs across the country, which will provide support to communities in which Circles have been established
    • Our Member Care Centre, which can be reached toll free at (888) 991-4065/66
    • Online Mortgage Financial Seminars
    • Online Small and Medium Enterprise Advisory Sessions

    For updates on COVID-19, visit:

    COVID-19 Contact
    Information Jamaica

    COVID-19 Contact
    Information Cayman Islands

    COVID-19 Contact
    Information U.K

    COVID-19 Contact
    Information U.S.A