Customer Deposits (Tables)

12 Months Ended

Dec. 31, 2016

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

Deposits By Type

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.

Time Deposits By Maturity

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

Time Deposits $250,000 Or More

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