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



(in millions)	September 30, 2015		December 31, 2014
U.S. offices
Noninterest-bearing	$	404,984	$	437,558
Interest-bearing:
Demand^(a)	77,092		90,319
Savings^(b)	469,990		466,730
Time (included $9,497 and $7,501 at fair value)^(c)	76,932		86,301
Total interest-bearing deposits	624,014		643,350
Total deposits in U.S. offices	1,028,998		1,080,908
Non-U.S. offices
Noninterest-bearing	20,174		19,078
Interest-bearing:
Demand	171,290		217,011
Savings	1,742		2,673
Time (included $1,565 and $1,306 at fair value)^(c)	50,902		43,757
Total interest-bearing deposits	223,934		263,441
Total deposits in non-U.S. offices	244,108		282,519
Total deposits	$	1,273,106	$	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.