Customer Deposits

9 Months Ended

Sep. 30, 2023

Deposits [Abstract]

Customer Deposits

Customer Deposits

As of September 30, 2023 and December 31, 2022, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)	2023		2022
U.S.:
Interest-bearing	$	123,510	$	109,119
Non-interest-bearing (includes Card Member credit balances of: 2023, $442; 2022, $605)	492		663
Non-U.S.:
Interest-bearing	14		15
Non-interest-bearing (includes Card Member credit balances of: 2023, $420; 2022, $439)	423		442
Total customer deposits	$	124,439	$	110,239

Customer deposits by deposit type as of September 30, 2023 and December 31, 2022 were as follows:

(Millions)	2023		2022
Savings and transaction accounts	$	89,877	$	76,731
Certificates of deposit:
Direct	4,925		2,765
Third-party (brokered)	13,303		13,331
Sweep accounts – Third-party (brokered)	15,411		16,297
Other deposits	61		71
Card Member credit balances	862		1,044
Total customer deposits	$	124,439	$	110,239

The scheduled maturities of certificates of deposit as of September 30, 2023 were as follows:

(Millions)	2023		2024		2025		2026		2027		After 5 Years		Total
Certificates of deposit	$	1,538	$	10,491	$	4,010	$	832	$	777	$	580	$	18,228

As of September 30, 2023 and December 31, 2022, certificates of deposit in denominations that met or exceeded the insured limit were $1.6 billion and $1.0 billion, respectively.