Deposit Accounts

12 Months Ended

Dec. 31, 2019

The deposit accounts are as follows:



	December 31,
	2019		2018
	(Dollars in millions)
Retail deposits
Branch retail deposits
Demand deposit accounts	$	1,318	$	1,297
Savings accounts	3,030		2,812
Money market demand accounts	495		628
Certificates of deposit/CDARS	2,353		2,387
Total branch retail deposits	7,196		7,124
Commercial deposits (1)
Demand deposit accounts	1,438		1,243
Savings accounts	342		314
Money market demand accounts	188		173
Total commercial retail deposits	1,968		1,730
Total retail deposits	9,164		8,854
Government deposits
Demand deposit accounts	360		326
Savings accounts	495		567
Certificates of deposit/CDARS	358		309
Total government deposits (2)	1,213		1,202
Wholesale deposits	633		583
Custodial deposits (3)	4,136		1,741
Total deposits	$	15,146	$	12,380


(1)	Includes deposits from commercial and business banking customers.


(2)	Government deposits include funds from municipalities and schools.


(3)	These accounts represent a portion of the investor custodial accounts and escrows controlled by us in connection with loans serviced or subserviced for others and that have been placed on deposit with the Bank.

The following indicates the scheduled maturities for certificates of deposit with a minimum denomination of $250,000:



	December 31,
	2019		2018
	(Dollars in millions)
Three months or less	$	223	$	251
Over three months to six months	238		165
Over six months to twelve months	278		229
One to two years	101		139
Thereafter	35		33
Total	$	875	$	817