Customer Deposits (Tables)

12 Months Ended

Dec. 31, 2013

Customer Deposits (Tables) [Abstract]

Deposits By Component Alternative

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

(Millions)			2013		2012
U.S.:
	Interest-bearing		$	40,831	$	39,649
	Non-interest-bearing (includes Card
		Member credit balances of:
		2013, $340 million; 2012, nil)(a)		360		10
Non-U.S.:
	Interest-bearing			121		135
	Non-interest-bearing (includes Card
		Member credit balances of:
		2013, $437 million; 2012, nil)(a)		451		9
Total customer deposits			$	41,763	$	39,803

• Beginning the first quarter of 2013, the Company reclassified prospectively its Card Member credit balances from Card Member loans, Card Member receivables and other liabilities to customer deposits.

Deposits By Type

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

(Millions)			2013		2012
U.S. retail deposits:
	Savings accounts ― Direct		$	24,550	$	18,713
	Certificates of deposit:
		Direct		489		725
		Third-party		6,929		8,851
	Sweep accounts ―Third-party			8,863		11,360
Other retail deposits:
	Non-U.S. deposits and U.S. non-
		interest bearing deposits		155		154
Card Member credit balances ― U.S.
	and non-U.S.			777		―
Total customer deposits			$	41,763	$	39,803

Time Deposits By Maturity

The scheduled maturities of certificates of deposit as of December 31, 2013 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2014	$	2,735	$	3	$	2,738
2015		1,223		―		1,223
2016		1,658		―		1,658
2017		571		―		571
2018		1,040		―		1,040
After 5 years		191		―		191
Total	$	7,418	$	3	$	7,421

Time Deposits $100,000 Or More

As of December 31, certificates of deposit in denominations of $100,000 or more were as follows:

(Millions)	2013		2012
U.S.	$	324	$	475
Non-U.S.		2		1
Total	$	326	$	476