Deposits The following table provides a summary of the average balances and average interest rates of JPMorgan Chase’s various deposits for the years indicated. (a) Includes Negotiable Order of Withdrawal (“NOW”) accounts, and certain trust accounts. (b) Includes Money Market Deposit Accounts (“MMDAs”). At December 31, 2020, other U.S. time deposits in denominations of $100,000 or more totaled $21.8 billion, substantially all of which mature in three months or less. In addition, the table below presents the maturities for U.S. time certificates of deposit in denominations of $100,000 or more. 321 (Unaudited) By remaining maturity at December 31, 2020  (in millions) Three months or less Over three months but within six months Over six months but within 12 months Over 12 months Total U.S. time certificates of deposit ($100,000 or more) $ 9,551 $ 5,080 $ 2,108 $ 800 $ 17,539 (Unaudited) Year ended December 31, Average balances Average interest rates (in millions, except interest rates) 2020 2019 2018 2020 2019 2018 U.S. offices Noninterest-bearing $ 495,722 $ 386,116  $ 391,325  NA NA NA Interest-bearing Demand 269,888 195,350  177,403  0.25 % 1.42 % 1.09 % Savings 739,916 602,728  585,885  0.13 0.46  0.32  Time 59,053 52,415  39,498  1.10 2.56  1.94  Total interest-bearing deposits 1,068,857 850,493  802,786  0.21 0.81  0.57  Total deposits in U.S. offices 1,564,579 1,236,609  1,194,111  0.15 0.56  0.38  Non-U.S. offices Noninterest-bearing 21,805 21,103  20,099  NA NA NA Interest-bearing Demand 267,545 217,979  210,978  — 0.59  0.45  Savings — —  —  NM NM NM Time 52,822 47,376  31,273  0.13 1.64  1.48  Total interest-bearing deposits 320,367 265,355  242,251  0.02 0.78  0.58  Total deposits in non-U.S. offices 342,172 286,458  262,350  0.02 0.72  0.54  Total deposits $ 1,906,751 $ 1,523,067  $ 1,456,461  0.12 % 0.59 % 0.41 % (a) (b)