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Why do you need to cut a joist? Are you not cutting through floorboards, which are perpendicular to the joists? You just need to find the joist, then cut the floorboards above at the central part of the joist and lift the boards, that gives you access.
You can make it a hatch by joining the cut floorboards together. We have a few in our place and its just a hatch in the floorboards, no joist has been cut. Or am I misunderstanding your setup?
We do but it’s tiled.
I’m worried about the load baring nature of the joists, surely I can’t just cut one out?