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DEPOSITS
12 Months Ended
Dec. 31, 2023
Other Liabilities Disclosure [Abstract]  
DEPOSITS . DEPOSITS
Deposits were categorized as interest-bearing or non-interest-bearing as follows, as of December 31:

20232022
(Millions)
Interest-bearing$13,594 $13,787 
Non-interest-bearing (including cardholder credit balances)26 39 
Total deposits$13,620 $13,826 

Deposits by deposit type were as follows as of December 31:

20232022
(Millions)
Savings accounts
Direct-to-consumer (retail)$2,863 $2,782 
Wholesale3,734 3,954 
Certificates of deposit
Direct-to-consumer (retail)3,591 2,684 
Wholesale3,406 4,367 
Cardholder credit balances26 39 
Total deposits$13,620 $13,826 

The scheduled maturities of certificates of deposit were as follows as of December 31, 2023:

(Millions)
2024(1)
$4,617 
20251,142 
2026429 
2027635 
2028174 
Thereafter— 
Total certificates of deposit$6,997 
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(1) The 2023 balance includes $6 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.

As of December 31, 2023 and December 31, 2022, deposits that exceeded applicable FDIC insurance limits, which are generally $250,000 per depositor, per insured bank, per ownership category, were estimated to be $509 million (4% of Total deposits) and $719 million (5% of Total deposits), respectively. The measurement of estimated uninsured deposits aligns with regulatory guidelines.