Customer Deposits (Tables)

9 Months Ended

Sep. 30, 2016

Customer Deposits (Tables) [Abstract]

Deposits By Component Alternative

7. Customer Deposits

As of September 30, 2016 and December 31, 2015, customer deposits were categorized as interest bearing or non-interestbearing as follows:

(Millions)		2016		2015
U.S.:
	Interest bearing	$	52,767	$	54,102
	Non-interest bearing (includes Card Member credit balances of: 2016, $297 million; 2015, $389 million)		333		478
Non-U.S.:
	Interest bearing		88		82
	Non-interest bearing (includes Card Member credit balances of: 2016, $297 million; 2015, $323 million)		312		335
Total customer deposits		$	53,500	$	54,997

Deposits By Type

Customer deposits by deposit type as of September 30, 2016and December 31, 2015 were as follows:

(Millions)			2016		2015
U.S. retail deposits:
	Savings accounts – Direct		$	30,672	$	29,023
	Certificates of deposit:
		Direct		290		281
		Third-party (brokered)		12,879		13,856
	Sweep accounts – Third-party (brokered)			8,926		10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			139		183
Card Member credit balances ― U.S. and non-U.S.				594		712
Total customer deposits			$	53,500	$	54,997

Time Deposits By Maturity

The scheduled maturities of certificates of deposit as of September 30, 2016were as follows:

(Millions)	U.S.		Non-U.S.		Total
2016	$	1,416	$	2	$	1,418
2017		3,662		8		3,670
2018		3,203		―		3,203
2019		2,336		―		2,336
2020		2,518		―		2,518
After 5 years		34		―		34
Total	$	13,169	$	10	$	13,179

Time Deposits $250,000 Or More

As of September 30, 2016 and December 31, 2015, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2016		2015
U.S.	$	116	$	105
Non-U.S.		1		1
Total	$	117	$	106