Deposits

3 Months Ended

Mar. 31, 2020

The Company offers its deposit products to customers through two channels: (i) through direct marketing, internet origination and affinity relationships ("direct-to-consumer deposits"); and (ii) indirectly through contractual arrangements with securities brokerage firms ("brokered deposits"). Direct-to-consumer deposits include online savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit and checking accounts, while brokered deposits include certificates of deposit and sweep accounts.

The following table provides a summary of interest-bearing deposit accounts (dollars in millions):

	March 31, 2020		December 31, 2019
Certificates of deposit in amounts less than $100,000	$	23,681	$	25,113
Certificates of deposit in amounts $100,000 or greater⁽¹⁾	10,181		9,268
Savings deposits, including money market deposit accounts	38,730		37,574
Total interest-bearing deposits	$	72,592	$	71,955


(1)	Includes $2.9 billion and $2.6 billion in certificates of deposit equal to or greater than $250,000, the Federal Deposit Insurance Corporation ("FDIC") insurance limit, as of March 31, 2020 and December 31, 2019, respectively.

The following table summarizes certificates of deposit in amounts of $100,000 or greater by contractual maturity (dollars in millions):

	March 31, 2020
Three months or less	$	1,594
Over three months through six months	1,863
Over six months through twelve months	3,920
Over twelve months	2,804
Total	$	10,181

The following table summarizes certificates of deposit maturing over the remainder of this year, over each of the next four years, and thereafter (dollars in millions):

	March 31, 2020
2020	$	13,848
2021	10,874
2022	3,755
2023	2,013
2024	1,328
Thereafter	2,044
Total	$	33,862