Customer Deposits

6 Months Ended

Jun. 30, 2013

Deposit Liabilities Disclosures [Abstract]

Customer Deposits

7. Customer Deposits

As of June 30, 2013 and December 31, 2012, customer deposits were categorized as interest-bearing or non-interest-bearing, as follows:

(Millions)			2013		2012
U.S.:
	Interest-bearing		$	39,988	$	39,649
	Non-interest-bearing (includes cardmember credit balances of:
		2013, $166 million; 2012, nil)(a)		187		10
Non-U.S.:
	Interest-bearing			123		135
	Non-interest-bearing (includes cardmember credit balances of:
		2013, $207 million; 2012, nil)(a)		217		9
Total customer deposits			$	40,515	$	39,803

• Beginning the first quarter 2013, the Company reclassified prospectively Cardmember credit balances from Cardmember loans, Cardmember receivables and Other liabilities to Customer deposits.

Customer deposits by deposit type as of June 30, 2013and December 31, 2012were as follows:

(Millions)			2013		2012
U.S. retail deposits:
	Savings accounts – Direct		$	22,390	$	18,713
	Certificates of deposit:
		Direct		701		725
		Third-party		7,973		8,851
	Sweep accounts – Third-party			8,924		11,360
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing			154		154
Cardmember credit balances ― U.S. and non-U.S.				373		―
Total customer deposits			$	40,515	$	39,803

The scheduled maturities of certificates of deposit as of June 30, 2013were as follows:

(Millions)	U.S.		Non-U.S.		Total
2013	$	3,263	$	2	$	3,265
2014		2,651		1		2,652
2015		848		―		848
2016		1,092		―		1,092
2017		447		―		447
After 5 years		373		―		373
Total	$	8,674	$	3	$	8,677

As of June 30, 2013 and December 31, 2012, certificates of deposit in denominations of $100,000 or more were as follows:

(Millions)	2013		2012
U.S.	$	464	$	475
Non-U.S.		1		1
Total	$	465	$	476