Customer Deposits

9 Months Ended

Sep. 30, 2022

Deposits [Abstract]

Customer Deposits

Customer Deposits

As of September 30, 2022 and December 31, 2021, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)	2022		2021
U.S.:
Interest-bearing	$	102,441	$	83,304
Non-interest-bearing (includes Card Member credit balances of: 2022, $509; 2021, $527)	556		553
Non-U.S.:
Interest-bearing	15		18
Non-interest-bearing (includes Card Member credit balances of: 2022, $448; 2021, $503)	451		507
Total customer deposits	$	103,463	$	84,382

Customer deposits by deposit type as of September 30, 2022 and December 31, 2021 were as follows:

(Millions)	2022		2021
Savings and transaction accounts	$	72,862	$	66,142
Certificates of deposit:
Direct	1,998		1,415
Third-party (brokered)	11,216		3,095
Sweep accounts – Third-party (brokered)	16,388		12,658
Other deposits	42		42
Card Member credit balances	957		1,030
Total customer deposits	$	103,463	$	84,382

The scheduled maturities of certificates of deposit as of September 30, 2022 were as follows:

(Millions)	2022		2023		2024		2025		2026		After 5 Years		Total
Certificates of deposit	$	373	$	4,557	$	6,069	$	1,647	$	29	$	539	$	13,214

As of September 30, 2022 and December 31, 2021, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2022		2021
U.S.	$	735	$	521
Non-U.S.	1		1
Total	$	736	$	522