Customer Deposits (Tables)

9 Months Ended

Sep. 30, 2017

Customer Deposits (Tables) [Abstract]

As of September 30, 2017 and December 31, 2016, customer deposits were categorized as interest bearing or non-interest bearing as follows:

(Millions)		2017		2016
U.S.:
	Interest bearing	$	60,573	$	52,316
	Non-interest bearing (includes Card Member credit balances of: 2017, $300 million; 2016, $331 million)		337		367
Non-U.S.:
	Interest bearing		32		58
	Non-interest bearing (includes Card Member credit balances of: 2017, $334 million; 2016, $285 million)		348		301
Total customer deposits		$	61,290	$	53,042

Deposits By Type

Customer deposits by deposit type as of September 30, 2017 and December 31, 2016 were as follows:

(Millions)			2017		2016
U.S. retail deposits:
	Savings accounts – Direct		$	30,780	$	30,980
	Certificates of deposit:^(a)
		Direct		290		291
		Third-party (brokered)		17,229		11,925
	Sweep accounts – Third-party (brokered)			12,274		9,120
Other deposits:
	U.S. non-interest bearing deposits			37		36
	Non-U.S. deposits			46		74
Card Member credit balances ― U.S. and non-U.S.				634		616
Total customer deposits			$	61,290	$	53,042

The weighted average remaining maturity and weighted average interest rate at issuance on the total portfolio of U.S. retail certificates of deposit issued through direct and third-party programs were 44 months and 2.10 percent, respectively, as of September 30, 2017.

Time Deposits By Maturity

The scheduled maturities of certificates of deposit as of September 30, 2017 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2017	$	1,450	$	3	$	1,453
2018		5,160		16		5,176
2019		4,252		―		4,252
2020		3,511		―		3,511
2021		1,234		―		1,234
After 5 years		1,912		―		1,912
Total	$	17,519	$	19	$	17,538

Time Deposits $250,000 Or More

As of September 30, 2017 and December 31, 2016, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2017		2016
U.S.	$	113	$	117
Non-U.S.		8		7
Total	$	121	$	124