Customer Deposits (Tables)

12 Months Ended

Dec. 31, 2023

Deposits [Abstract]

Customer deposits by component and type

As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

(Millions)	2023		2022
U.S.:
Interest-bearing	$	128,146	$	109,119
Non-interest-bearing (includes Card Member credit balances of: 2023, $495; 2022, $605)	557		663
Non-U.S.:
Interest-bearing	12		15
Non-interest-bearing (includes Card Member credit balances of: 2023, $426; 2022, $439)	429		442
Total customer deposits	$	129,144	$	110,239

Customer deposits by deposit type as of December 31 were as follows:

(Millions)	2023		2022
U.S. retail deposits:
Savings and transaction accounts	$	93,722	$	76,731
Certificates of deposit:
Direct	5,557		2,760
Third-party (brokered)	12,960		13,331
Sweep accounts ― Third-party (brokered)	15,907		16,297
Total U.S. retail deposits	$	128,146	$	109,119
Other deposits	77		76
Card Member credit balances	921		1,044
Total customer deposits	$	129,144	$	110,239

Time deposits by maturity

The scheduled maturities of certificates of deposit as of December 31, 2023 were as follows:

(Millions)	2024		2025		2026		2027		2028		After 5 years		Total
Certificates of deposit (a)	$	11,740	$	4,370	$	933	$	776	$	704	$	—	$	18,523

(a)Includes $6 million of non-U.S. direct certificates of deposit as of December 31, 2023.