Deposits

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



December 31, (in millions)	2015		2014
U.S. offices
Noninterest-bearing	$	392,721	$	437,558
Interest-bearing
Demand^(a)	84,088		90,319
Savings^(b)	486,043		466,730
Time (included $10,916 and $7,501 at fair value)^(c)	92,873		86,301
Total interest-bearing deposits	663,004		643,350
Total deposits in U.S. offices	1,055,725		1,080,908
Non-U.S. offices
Noninterest-bearing	18,921		19,078
Interest-bearing
Demand	154,773		217,011
Savings	2,157		2,673
Time (included $1,600 and $1,306 at fair value)^(c)	48,139		43,757
Total interest-bearing deposits	205,069		263,441
Total deposits in non-U.S. offices	223,990		282,519
Total deposits	$	1,279,715	$	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.

At December 31, 2015 and 2014, time deposits in denominations of $250,000 or more were as follows.

At December 31, 2015, the maturities of interest-bearing time deposits were as follows.