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Customer Deposits

12 Months Ended

Dec. 31, 2016

Disclosure Text Block Abstract

Customer Deposits

NOTE 8

Customer Deposits

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

(Millions)				2016			2015
U.S.:
	Interest-bearing			$	52,316		$	54,102
	Non-interest-bearing (includes Card Member credit balances of: 2016, $331 million; 2015, $389 million)				367			478
Non-U.S.:
	Interest-bearing				58			82
	Non-interest-bearing (includes Card Member credit balances of: 2016, $285 million; 2015, $323 million)				301			335
Total customer deposits				$	53,042		$	54,997

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

(Millions)					2016			2015
U.S. retail deposits:
	Savings accounts ― Direct				$	30,980		$	29,023
	Certificates of deposit:(a)
		Direct				291			281
		Third-party (brokered)				11,925			13,856
	Sweep accounts ―Third-party (brokered)					9,120			10,942
Other retail deposits:
	Non-U.S. deposits and U.S. non-interest bearing deposits					110			183
Card Member credit balances ― U.S. and non-U.S.						616			712
Total customer deposits					$	53,042		$	54,997

The weighted average remaining maturity and weighted average rate at issuance on the total portfolio of U.S. retail CDs issued through direct and third-party programs were 46.5 months and 1.94 percent, respectively, as of December 31, 2016.

The scheduled maturities of certificates of deposit as of December 31, 2016 were as follows:

(Millions)		U.S.			Non-U.S.			Total
2017		$	3,735		$	15		$	3,750
2018			3,437			―			3,437
2019			2,396			―			2,396
2020			2,542			―			2,542
2021			106			―			106
After 5 years			―			―			―
Total		$	12,216		$	15		$	12,231

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

(Millions)		2016			2015
U.S.		$	117		$	105
Non-U.S.			7			1
Total		$	124		$	106

X

- 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.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=50488274&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

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X

- References

No definition available.

+ Details

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Namespace Prefix:	us-gaap_
Data Type:	xbrli:stringItemType
Balance Type:	na
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