Customer Deposits

6 Months Ended

Jun. 30, 2020

Deposits [Abstract]

Customer Deposits

Customer Deposits

As of June 30, 2020 and December 31, 2019, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)	2020		2019
U.S.:
Interest-bearing	$	82,865	$	72,445
Non-interest-bearing (includes Card Member credit balances of: 2020, $1,076; 2019, $389)	1,101		415
Non-U.S.:
Interest-bearing	21		23
Non-interest-bearing (includes Card Member credit balances of: 2020, $816; 2019, $401)	818		404
Total customer deposits	$	84,805	$	73,287

Customer deposits by deposit type as of June 30, 2020 and December 31, 2019 were as follows:

(Millions)	2020		2019
U.S. retail deposits:
Savings accounts – Direct	$	57,062	$	46,394
Certificates of deposit:
Direct	2,749		1,854
Third-party (brokered)	7,771		8,076
Sweep accounts – Third-party (brokered)	15,283		16,121
Other deposits:
U.S. non-interest bearing deposits	25		26
Non-U.S. deposits	23		26
Card Member credit balances ― U.S. and non-U.S.	1,892		790
Total customer deposits	$	84,805	$	73,287

The scheduled maturities of certificates of deposit as of June 30, 2020 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2020	$	2,685	$	5	$	2,690
2021	3,735		5		3,740
2022	2,986		—		2,986
2023	642		—		642
2024	272		—		272
After 5 years	200		—		200
Total	$	10,520	$	10	$	10,530

As of June 30, 2020 and December 31, 2019, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2020		2019
U.S.	$	1,018	$	622
Non-U.S.	2		4
Total	$	1,020	$	626