Customer Deposits

12 Months Ended

Dec. 31, 2020

Deposits [Abstract]

Customer Deposits

CUSTOMER DEPOSITS

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

(Millions)	2020		2019
U.S.:
Interest-bearing	$	85,583	$	72,445
Non-interest-bearing (includes Card Member credit balances of: 2020, $576 million; 2019, $389 million)	599		415
Non-U.S.:
Interest-bearing	19		23
Non-interest-bearing (includes Card Member credit balances of: 2020, $671 million; 2019, $401 million)	674		404
Total customer deposits	$	86,875	$	73,287

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

(Millions)	2020		2019
U.S. retail deposits:
Savings accounts ― Direct	$	63,512	$	46,394
Certificates of deposit:
Direct	2,440		1,854
Third-party (brokered)	5,561		8,076
Sweep accounts ―Third-party (brokered)	14,070		16,121
Other deposits:
U.S. non-interest-bearing deposits	23		26
Non-U.S. deposits	22		26
Card Member credit balances ― U.S. and non-U.S.	1,247		790
Total customer deposits	$	86,875	$	73,287

The scheduled maturities of certificates of deposit as of December 31, 2020 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2021	$	3,820	$	8	$	3,828
2022	3,053		—		3,053
2023	645		—		645
2024	276		—		276
2025	207		—		207
After 5 years	—		—		—
Total	$	8,001	$	8	$	8,009

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

(Millions)	2020		2019
U.S.	$	930	$	622
Non-U.S.	1		4
Total	$	931	$	626