| Customer Deposits |
Customer DepositsAs of March 31, 2024 and December 31, 2023, customer deposits were categorized as interest-bearing or non-interest-bearing as follows: | | | | | | | | | | | | | | | | (Millions) | | 2024 | | 2023 | | U.S.: | | | | | | Interest-bearing | | $ | 133,483 | | | $ | 128,146 | | Non-interest-bearing (includes Card Member credit balances of: 2024, $446; 2023, $495) | | 511 | | | 557 | | | Non-U.S.: | | | | | | Interest-bearing | | 12 | | | 12 | | Non-interest-bearing (includes Card Member credit balances of: 2024, $409; 2023, $426) | | 412 | | | 429 | | | Total customer deposits | | $ | 134,418 | | | $ | 129,144 | |
Customer deposits by deposit type as of March 31, 2024 and December 31, 2023 were as follows: | | | | | | | | | | | | | | | | (Millions) | | 2024 | | 2023 | U.S. retail deposits: | | | | | | Savings and transaction accounts | | $ | 101,419 | | | $ | 93,722 | | Certificates of deposit: | | | | | | Direct | | 5,166 | | | 5,557 | | | Third-party (brokered) | | 11,092 | | | 12,960 | | | Sweep accounts – Third-party (brokered) | | 15,806 | | | 15,907 | | Total U.S. retail deposits | | $ | 133,483 | | | $ | 128,146 | | | Other deposits | | 80 | | | 77 | | | Card Member credit balances | | 855 | | | 921 | | | Total customer deposits | | $ | 134,418 | | | $ | 129,144 | |
The scheduled maturities of certificates of deposit as of March 31, 2024 were as follows: | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | (Millions) | | 2024 | | 2025 | | 2026 | | 2027 | | 2028 | | After 5 Years | | Total | Certificates of deposit (a) | | $ | 8,820 | | | $ | 4,950 | | | $ | 1,012 | | | $ | 772 | | | $ | 699 | | | $ | 11 | | | $ | 16,264 | |
(a)Includes $6 million of non-U.S. direct certificates of deposit as of March 31, 2024. As of March 31, 2024 and December 31, 2023, certificates of deposit in denominations that met or exceeded the insured limit were $1.7 billion and $1.8 billion, respectively.
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