Deposits

3 Months Ended

Mar. 31, 2020

Deposits account balances are summarized as follows (in thousands):



	March 31, 2020		December 31, 2019
Non-interest-bearing checking	$	394,836	$	387,409
Negotiable orders of withdrawal (NOW) and interest-bearing checking	605,652		573,927
Savings and money market	1,385,593		1,398,345
Certificates of deposit	1,099,465		1,048,552
Total deposits	$	3,485,546	$	3,408,233

Interest expense on deposit accounts is summarized for the periods indicated (in thousands):



	Three Months Ended March 31,
	2020		2019
NOW and interest-bearing checking, savings, and money market	$	4,073	$	4,794
Certificates of deposit	5,206		5,453
Total interest expense on deposit accounts	$	9,279	$	10,247