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Customer Deposits
 6 Months Ended
Jun. 30, 2024
Deposits [Abstract]  
Customer Deposits Customer Deposits
As of June 30, 2024 and December 31, 2023, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:
(Millions)20242023
U.S.:
Interest-bearing$132,852 $128,146 
Non-interest-bearing (includes Card Member credit balances of: 2024, $428; 2023, $495)
479 557 
Non-U.S.:
Interest-bearing17 12 
Non-interest-bearing (includes Card Member credit balances of: 2024, $395; 2023, $426)
398 429 
Total customer deposits$133,746 $129,144 
Customer deposits by deposit type as of June 30, 2024 and December 31, 2023 were as follows:
(Millions)20242023
U.S. interest-bearing deposits:
Savings accounts
$101,787 $92,324 
Checking accounts
1,617 1,398 
Certificates of deposit:
Direct4,871 5,557 
Third-party (brokered)9,661 12,960 
Sweep accounts – Third-party (brokered)14,916 15,907 
Total U.S. interest-bearing deposits
$132,852 $128,146 
Other deposits71 77 
Card Member credit balances823 921 
Total customer deposits$133,746 $129,144 
The scheduled maturities of certificates of deposit as of June 30, 2024 were as follows:
(Millions)20242025202620272028After 5 YearsTotal
Certificates of deposit (a)
$6,432 $5,549 $1,071 $772 $700 $19 $14,543 
(a)Includes $11 million of non-U.S. direct certificates of deposit as of June 30, 2024.
As of June 30, 2024 and December 31, 2023, certificates of deposit in denominations that met or exceeded the insured limit were $1.6 billion and $1.8 billion, respectively.