Customer Deposits (Tables)

12 Months Ended

Dec. 31, 2018

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

Deposits By Type

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.

Time Deposits By Maturity

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

Time Deposits $250,000 Or More

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