DEPOSITS AND RETAIL REPURCHASE AGREEMENTS

Deposits consisted of the following at September 30, 2015 and December 31, 2014 (in thousands):



	September 30, 2015		December 31, 2014
Non-interest-bearing accounts	$	1,561,516	$	1,298,866
Interest-bearing checking	482,530		439,480
Regular savings accounts	1,030,177		901,142
Money market accounts	582,769		488,946
Total transaction and saving accounts	3,656,992		3,128,434
Certificates of deposit	730,661		770,516
Total deposits	$	4,387,653	$	3,898,950
Included in total deposits:
Public fund transaction accounts	$	123,260	$	102,854
Public fund interest-bearing certificates	27,791		35,346
Total public deposits	$	151,051	$	138,200
Total brokered deposits	$	10,095	$	4,799

Certificate of deposit accounts by total balance at September 30, 2015 and December 31, 2014 were as follows (in thousands):



	September 30, 2015		December 31, 2014
Certificates of deposit less than or equal to the FDIC insured limit of $250,000	$	602,025	$	633,345
Certificates of deposit greater than the FDIC insured limit of $250,000	128,636		137,171
Total certificates of deposit	$	730,661	$	770,516

Scheduled maturities and repricing of certificate accounts at September 30, 2015 were as follows (in thousands):



	September 30, 2015
Certificates which mature or reprice:
Within one year or less	$	556,134
After one year through two years	94,104
After two years through three years	38,416
After three years through four years	17,295
After four years through five years	21,386
After five years	3,326
Total certificates of deposit	$	730,661

In addition to deposits, the banks also offer retail repurchase agreements which are customer funds that are primarily associated with sweep account arrangements tied to transaction deposit accounts. While the banks include these collateralized borrowings in other borrowings reported in our Consolidated Statements of Financial Condition, these accounts primarily represent customer utilization of our cash management services and related deposit accounts.

The following table presents retail repurchase agreement balances as of September 30, 2015 and December 31, 2014 (in thousands):



	September 30, 2015		December 31, 2014
Retail repurchase agreements	$	88,083	$	77,185