Customer Deposits

9 Months Ended

Sep. 30, 2015

Deposit Liabilities Disclosures [Abstract]

Customer Deposits

7. Customer Deposits

As of September 30, 2015 and December 31, 2014, customer deposits were categorized as interest bearing or non-interestbearing, as follows:

(Millions)			2015		2014
U.S.:
	Interest bearing		$	48,513	$	43,279
	Non-interest bearing (includes Card Member credit balances of:
		2015, $312; 2014, $372)		356		418
Non-U.S.:
	Interest bearing			106		115
	Non-interest bearing (includes Card Member credit balances of:
		2015, $314; 2014, $347)		326		359
Total customer deposits			$	49,301	$	44,171

Customer deposits by deposit type as of September 30, 2015and December 31, 2014,were as follows:

(Millions)			2015		2014
U.S. retail deposits:
	Savings accounts – Direct		$	28,229	$	26,159
	Certificates of deposit:
		Direct		291		333
		Third-party		11,053		7,838
	Sweep accounts – Third-party			8,940		8,949
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			162		173
Card Member credit balances ― U.S. and non-U.S.				626		719
Total customer deposits			$	49,301	$	44,171

The scheduled maturities of certificates of deposit as of September 30, 2015,were as follows:

(Millions)	U.S.		Non-U.S.		Total
2015	$	398	$	18	$	416
2016		2,411		5		2,416
2017		2,730		―		2,730
2018		2,527		―		2,527
2019		1,846		―		1,846
After 5 years		1,432		―		1,432
Total	$	11,344	$	23	$	11,367

As of September 30, 2015 and December 31, 2014, certificates of deposit in denominations of $250,000 or more, in the aggregate, were as follows:

(Millions)	2015		2014
U.S.	$	106	$	111
Non-U.S.		17		17
Total	$	123	$	128