Customer Deposits

9 Months Ended

Sep. 30, 2013

Deposit Liabilities Disclosures [Abstract]

Customer Deposits

7. Customer Deposits

As of September 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		$	41,947	$	39,649
	Non-interest-bearing (includes Card Member credit balances of:
		2013, $160 million; 2012, nil)(a)		178		10
Non-U.S.:
	Interest-bearing			125		135
	Non-interest-bearing (includes Card Member credit balances of:
		2013, $228 million; 2012, nil)(a)		237		9
Total customer deposits			$	42,487	$	39,803

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

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

(Millions)			2013		2012
U.S. retail deposits:
	Savings accounts – Direct		$	23,617	$	18,713
	Certificates of deposit:
		Direct		654		725
		Third-party		8,884		8,851
	Sweep accounts – Third-party			8,792		11,360
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			152		154
Card Member credit balances ― U.S. and non-U.S.				388		―
Total customer deposits			$	42,487	$	39,803

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

(Millions)	U.S.		Non-U.S.		Total
2013	$	2,674	$	2	$	2,676
2014		2,659		1		2,660
2015		1,151		―		1,151
2016		1,573		―		1,573
2017		530		―		530
After 5 years		951		―		951
Total	$	9,538	$	3	$	9,541

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

(Millions)	2013		2012
U.S.	$	437	$	475
Non-U.S.		2		1
Total	$	439	$	476