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Fee-Based Revenue from Contracts with Customers | 6 Months Ended
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Jun. 30, 2020
Revenue from Contract with Customer [Abstract] |
Fee-Based Revenue from Contracts with Customers | FEE-BASED R EVENUE FROM C ONTRACTS WITH C USTOMERS As more fully described in Note 23 Fee-based Revenue from Contracts with Customers in our 2019 Form 10-K, a subset of our noninterest income relates to certain fee-based revenue within the scope of ASC Topic 606 - Revenue from Contracts with Customers (Topic 606). Fee-based revenue within the scope of Topic 606 is recognized within three of our reportable business segments, Retail Banking, Corporate & Institutional Banking and Asset Management Group. Topic 606 also excludes interest income, income from lease contracts, fair value gains from financial instruments (including derivatives), income from mortgage servicing rights and guarantee products, letter of credit fees, non-refundable fees associated with acquiring or originating a loan and gains from the sale of financial assets. Retail Banking Table 82: Retail Banking Noninterest Income Disaggregation
| Three months ended June 30 | Six months ended June 30
In millions | 2020 |  | 2019 |  | 2020 |  | 2019 |
Product |  |  |  |
Deposit account fees | $ | 73 |  | $ | 154 |  | $ | 231 |  | $ | 302 |
Debit card fees | 120 |  | 136 |  | 249 |  | 260 |
Brokerage fees | 86 |  | 86 |  | 179 |  | 175 |
Merchant services | 23 |  | 56 |  | 72 |  | 104 |
Net credit card fees (a) | 39 |  | 51 |  | 80 |  | 99 |
Other | 52 |  | 62 |  | 108 |  | 128 |
Total in-scope noninterest income by product | $ | 393 |  | $ | 545 |  | $ | 919 |  | $ | 1,068 |
Reconciliation to total Retail Banking noninterest income |  |  |  |
Total in-scope noninterest income | $ | 393 |  | $ | 545 |  | $ | 919 |  | $ | 1,068 |
Total out-of-scope noninterest income (b) | 192 |  | 112 |  | 454 |  | 184 |
Total Retail Banking noninterest income | $ | 585 |  | $ | 657 |  | $ | 1,373 |  | $ | 1,252 |
(a) | Net credit card fees consists of interchange fees of $102 million and $126 million and credit card reward costs of $63 million and $75 million for the three months ended June 30, 2020 and 2019, respectively. Net credit card fees consists of interchange fees of $220 million and $238 million and credit card reward costs of $140 million and $139 million for the six months ended June 30, 2020 and 2019, respectively.
(b) Out-of-scope noninterest income includes revenue streams that fall under the scope of other accounting and disclosure requirements outside of Topic 606. Corporate & Institutional Banking Table 83: Corporate & Institutional Banking Noninterest Income Disaggregation
| Three months ended June 30 | Six months ended June 30
In millions | 2020 |  | 2019 |  | 2020 |  | 2019 |
Product |  |  |  |
Treasury management fees | $ | 218 |  | $ | 212 |  | $ | 434 |  | $ | 411 |
Capital markets fees | 187 |  | 149 |  | 362 |  | 276 |
Commercial mortgage banking activities | 24 |  | 24 |  | 50 |  | 49 |
Other | 17 |  | 19 |  | 37 |  | 36 |
Total in-scope noninterest income by product | $ | 446 |  | $ | 404 |  | $ | 883 |  | $ | 772 |
Reconciliation to total Corporate & Institutional Banking noninterest income |  |  |  |
Total in-scope noninterest income | $ | 446 |  | $ | 404 |  | $ | 883 |  | $ | 772 |
Total out-of-scope noninterest income (a) | 280 |  | 257 |  | 537 |  | 465 |
Total Corporate & Institutional Banking noninterest income | $ | 726 |  | $ | 661 |  | $ | 1,420 |  | $ | 1,237 |
(a) Out-of-scope noninterest income includes revenue streams that fall under the scope of other accounting and disclosure requirements outside of Topic 606. Asset Management Group Table 84: Asset Management Group Noninterest Income Disaggregation
| Three months ended June 30 | Six months ended June 30
In millions | 2020 |  | 2019 |  | 2020 |  | 2019 |
Customer Type |  |  |  |
Personal | $ | 151 |  | $ | 157 |  | $ | 301 |  | $ | 304 |
Institutional | 48 |  | 64 |  | 99 |  | 129 |
Total in-scope noninterest income by customer type | $ | 199 |  | $ | 221 |  | $ | 400 |  | $ | 433 |
Reconciliation to Asset Management Group noninterest income |  |  |  |
Total in-scope noninterest income | $ | 199 |  | $ | 221 |  | $ | 400 |  | $ | 433 |
Total out-of-scope noninterest income (a) | 5 |  | 65 |  | 8 |  | 70 |
Total Asset Management Group noninterest income | $ | 204 |  | $ | 286 |  | $ | 408 |  | $ | 503 |
(a) Out-of-scope noninterest income includes revenue streams that fall under the scope of other accounting and disclosure requirements outside of Topic 606.

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- Definition The entire disclosure of revenue from contract with customer to transfer good or service and to transfer nonfinancial asset. Includes, but is not limited to, disaggregation of revenue, credit loss recognized from contract with customer, judgment and change in judgment related to contract with customer, and asset recognized from cost incurred to obtain or fulfill contract with customer. Excludes insurance and lease contracts. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Publisher FASB -Name Accounting Standards Codification -Topic 606 -URI http://asc.fasb.org/topic&trid=49130388 + Details
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