NOTE 8

Customer Deposits

As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)		2018		2017
U.S.:
	Interest-bearing	$	69,144	$	63,666
	Non-interest-bearing (includes Card Member credit balances of: 2018, $376 million; 2017, $358 million)		412		395
Non-U.S.:
	Interest-bearing		28		34
	Non-interest-bearing (includes Card Member credit balances of: 2018, $367 million; 2017, $344 million)		376		357
Total customer deposits		$	69,960	$	64,452

Customer deposits by deposit type as of December 31 were as follows:

(Millions)			2018		2017
U.S. retail deposits:
	Savings accounts ― Direct		$	39,491	$	31,915
	Certificates of deposit:^(a)
		Direct		817		290
		Third-party (brokered)		12,667		16,684
	Sweep accounts ―Third-party (brokered)			16,169		14,777
Other deposits:
	U.S. non-interest bearing deposits			36		37
	Non-U.S. deposits			37		47
Card Member credit balances ― U.S. and non-U.S.				743		702
Total customer deposits			$	69,960	$	64,452

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 47 months and 2.38 percent, respectively, as of December 31, 2018.

The scheduled maturities of certificates of deposit as of December 31, 2018 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2019	$	4,730	$	18	$	4,748
2020		4,290		―		4,290
2021		1,869		―		1,869
2022		2,278		―		2,278
2023		317		―		317
After 5 years		―		―		―
Total	$	13,484	$	18	$	13,502

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

(Millions)	2018		2017
U.S.	$	276	$	114
Non-U.S.		9		11
Total	$	285	$	125