At June 30, 2013, and December 31, 2012, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	June 30, 2013		December 31, 2012
U.S. offices
Noninterest-bearing	$	362,314	$	380,320
Interest-bearing:
Demand^(a)	63,515		53,980
Savings^(b)	424,722		407,710
Time (included $5,303 and $5,140 at fair value)^(c)	91,854		90,416
Total interest-bearing deposits	580,091		552,106
Total deposits in U.S. offices	942,405		932,426
Non-U.S. offices
Noninterest-bearing	19,515		17,845
Interest-bearing:
Demand	189,925		195,395
Savings	1,293		1,004
Time (included $535 and $593 at fair value)^(c)	49,812		46,923
Total interest-bearing deposits	241,030		243,322
Total deposits in non-U.S. offices	260,545		261,167
Total deposits	$	1,202,950	$	1,193,593


(a)	Includes Negotiable Order of Withdrawal (“NOW”) accounts, and certain trust accounts.


(b)	Includes Money Market Deposit Accounts (“MMDAs”).


(c)	Includes structured notes classified as deposits for which the fair value option has been elected. For further discussion, see Note 4 on pages 214–216 of JPMorgan Chase’s 2012 Annual Report.