v2.4.0.8
Customer Deposits
 9 Months Ended
Sep. 30, 2013
Deposit Liabilities Disclosures [Abstract]  
Customer Deposits

7. Customer Deposits

As of September 30, 2013 and December 31, 2012, customer deposits were categorized as interest-bearing or non-interest-bearing, as follows:

(Millions) 2013 2012
U.S.:      
 Interest-bearing $ 41,947 $39,649
 Non-interest-bearing (includes Card Member credit balances of:       
  2013, $160 million; 2012, nil)(a)   178  10
Non-U.S.:      
 Interest-bearing   125  135
 Non-interest-bearing (includes Card Member credit balances of:       
  2013, $228 million; 2012, nil)(a)   237  9
Total customer deposits $ 42,487 $39,803

  • Beginning the first quarter 2013, the Company reclassified prospectively Card Member credit balances from Card Member loans, Card Member receivables and Other liabilities to Customer deposits.

Customer deposits by deposit type as of September 30, 2013 and December 31, 2012 were as follows:

(Millions) 2013 2012
U.S. retail deposits:      
 Savings accounts – Direct $ 23,617 $18,713
 Certificates of deposit:      
  Direct   654  725
  Third-party    8,884  8,851
 Sweep accounts – Third-party    8,792  11,360
Other retail deposits:      
 Non-U.S. deposits and U.S. non-interest bearing deposits   152  154
Card Member credit balances ― U.S. and non-U.S.   388   ―
Total customer deposits $ 42,487 $39,803

The scheduled maturities of certificates of deposit as of September 30, 2013 were as follows:

(Millions) U.S. Non-U.S. Total
2013 $ 2,674 $ 2 $ 2,676
2014   2,659   1   2,660
2015   1,151   ―   1,151
2016   1,573   ―   1,573
2017   530   ―   530
After 5 years   951   ―   951
Total $ 9,538 $ 3 $ 9,541

As of September 30, 2013 and December 31, 2012, certificates of deposit in denominations of $100,000 or more were as follows:

(Millions) 2013 2012
U.S. $437 $475
Non-U.S.  2  1
Total $ 439 $476