Deposits

For further discussion on deposits, see Note 19 of JPMorgan Chase’s 2015 Annual Report.

At March 31, 2016, and December 31, 2015, noninterest-bearing and interest-bearing deposits were as follows.



(in millions)	March 31, 2016		December 31, 2015
U.S. offices
Noninterest-bearing	$	383,282	$	392,721
Interest-bearing:
Demand^(a)	133,769		84,088
Savings^(b)	510,544		486,043
Time (included $10,575, and $10,916 at fair value)^(c)	51,354		92,873
Total interest-bearing deposits	695,667		663,004
Total deposits in U.S. offices	1,078,949		1,055,725
Non-U.S. offices
Noninterest-bearing	20,913		18,921
Interest-bearing:
Demand	167,025		154,773
Savings	1,329		2,157
Time (included $1,444 and $1,600 at fair value)^(c)	53,600		48,139
Total interest-bearing deposits	221,954		205,069
Total deposits in non-U.S. offices	242,867		223,990
Total deposits	$	1,321,816	$	1,279,715


(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 2015 Annual Report.