Customer Deposits

6 Months Ended

Jun. 30, 2014

Deposit Liabilities Disclosures [Abstract]

7. Customer Deposits

As of June 30, 2014 and December 31, 2013, customer deposits were categorized as interest bearing or non-interest bearing, as follows:

(Millions)			2014		2013
U.S.:
	Interest bearing		$	41,295	$	40,831
	Non-interest bearing (includes Card Member credit balances of:
		2014, $306; 2013, $340)		336		360
Non-U.S.:
	Interest bearing			108		121
	Non-interest-bearing (includes Card Member credit balances of:
		2014, $381; 2013, $437)		397		451
Total customer deposits			$	42,136	$	41,763

Customer deposits by deposit type as of June 30, 2014 and December 31, 2013 were as follows:

(Millions)			2014		2013
U.S. retail deposits:
	Savings accounts – Direct		$	26,107	$	24,550
	Certificates of deposit:
		Direct		382		489
		Third-party		5,907		6,929
	Sweep accounts – Third-party			8,899		8,863
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			154		155
Card Member credit balances ― U.S. and non-U.S.				687		777
Total customer deposits			$	42,136	$	41,763

The scheduled maturities of certificates of deposit as of June 30, 2014 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2014	$	1,539	$	3	$	1,542
2015		1,257		1		1,258
2016		1,680		―		1,680
2017		575		―		575
2018		1,043		―		1,043
After 5 years		195		―		195
Total	$	6,289	$	4	$	6,293

As of June 30, 2014 and December 31, 2013, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2014		2013
U.S.	$	129	$	148
Non-U.S.		1		0
Total	$	130	$	148

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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