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INCOME TAXES - Effective Income Tax Reconciliation (Details) - USD ($)
$ in Millions
12 Months Ended
Dec. 31, 2018
Dec. 31, 2017
Dec. 31, 2016
Amount      
U.S. Federal income tax expense $ 459 $ 669 $ 537
Increase (decrease) resulting from:      
Federal rate change (34) (331) 0
State and local income taxes (net of federal benefit) 89 46 38
Bank-owned life insurance (12) (19) (19)
Tax-exempt interest (15) (21) (19)
Tax advantaged investments (including related credits) (44) (51) (31)
Other tax credits (8) (3) (14)
Adjustments for uncertain tax positions 1 (23) 0
Non-deductible FDIC premiums 21 0 0
Other 5 (7) (3)
Income tax expense $ 462 $ 260 $ 489
Rate      
U.S. Federal income tax rate 21.00% 35.00% 35.00%
Increase (decrease) resulting from:      
Federal rate change (1.60%) (17.30%) 0.00%
State and local income taxes (net of federal benefit) 4.10% 2.40% 2.50%
Bank-owned life insurance (0.50%) (1.00%) (1.20%)
Tax-exempt interest (0.70%) (1.10%) (1.30%)
Tax advantaged investments (including related credits) (2.00%) (2.70%) (2.00%)
Other tax credits (0.40%) (0.10%) (0.90%)
Adjustments for uncertain tax positions 0.10% (1.20%) 0.00%
Non-deductible FDIC premiums 1.00% 0.00% 0.00%
Other 0.20% (0.40%) (0.20%)
Total income tax expense and tax rate 21.20% 13.60% 31.90%