Deposits

For further discussion on deposits, see Note 19 of JPMorgan Chase’s 2014 Annual Report.

At June 30, 2015, and December 31, 2014, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	June 30, 2015		December 31, 2014
U.S. offices
Noninterest-bearing	$	432,052	$	437,558
Interest-bearing:
Demand^(a)	69,477		90,319
Savings^(b)	462,554		466,730
Time (included $9,364 and $7,501 at fair value)^(c)	79,407		86,301
Total interest-bearing deposits	611,438		643,350
Total deposits in U.S. offices	1,043,490		1,080,908
Non-U.S. offices
Noninterest-bearing	21,777		19,078
Interest-bearing:
Demand	177,923		217,011
Savings	1,873		2,673
Time (included $2,121 and $1,306 at fair value)^(c)	42,269		43,757
Total interest-bearing deposits	222,065		263,441
Total deposits in non-U.S. offices	243,842		282,519
Total deposits	$	1,287,332	$	1,363,427


(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 of JPMorgan Chase’s 2014 Annual Report.