Customer Deposits

3 Months Ended

Mar. 31, 2015

Deposit Liabilities Disclosures [Abstract]

7. Customer Deposits

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

(Millions)			2015		2014
U.S.:
	Interest bearing		$	44,142	$	43,279
	Non-interest bearing (includes Card Member credit balances of:
		2015, $317 million; 2014, $372 million)		356		418
Non-U.S.:
	Interest bearing			113		115
	Non-interest bearing (includes Card Member credit balances of:
		2015, $306 million; 2014, $347 million)		317		359
Total customer deposits			$	44,928	$	44,171

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

(Millions)			2015		2014
U.S. retail deposits:
	Savings accounts – Direct		$	27,508	$	26,159
	Certificates of deposit:
		Direct		317		333
		Third-party		7,384		7,838
	Sweep accounts – Third-party			8,933		8,949
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits			163		173
Card Member credit balances ― U.S. and non-U.S.				623		719
Total customer deposits			$	44,928	$	44,171

The scheduled maturities of certificates of deposit as of March 31, 2015 were as follows:

(Millions)	U.S.		Non-U.S.		Total
2015	$	1,115	$	21	$	1,136
2016		2,159		1		2,160
2017		1,493		―		1,493
2018		1,535		―		1,535
2019		1,327		―		1,327
After 5 years		72		―		72
Total	$	7,701	$	22	$	7,723

As of March 31, 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.	$	109	$	111
Non-U.S.		17		17
Total	$	126	$	128

- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

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