Customer Deposits (Tables)

9 Months Ended

Sep. 30, 2024

Deposits [Abstract]

Customer deposits by component and type

As of September 30, 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	$	134,476	$	128,146
Non-interest-bearing (includes Card Member credit balances of: 2024, $483; 2023, $495)	532		557
Non-U.S.:
Interest-bearing	17		12
Non-interest-bearing (includes Card Member credit balances of: 2024, $410; 2023, $426)	413		429
Total customer deposits	$	135,438	$	129,144

Customer deposits by deposit type as of September 30, 2024 and December 31, 2023 were as follows:

(Millions)	2024		2023
U.S. interest-bearing deposits:
Savings accounts	$	105,465	$	92,324
Checking accounts	1,839		1,398
Certificates of deposit:
Direct	4,882		5,557
Third-party (brokered)	6,851		12,960
Sweep accounts – Third-party (brokered)	15,439		15,907
Total U.S. interest-bearing deposits	$	134,476	$	128,146
Other deposits	69		77
Card Member credit balances	893		921
Total customer deposits	$	135,438	$	129,144

Time deposits by maturity

The scheduled maturities of certificates of deposit as of September 30, 2024 were as follows:

(Millions)	2024		2025		2026		2027		2028		After 5 Years		Total
Certificates of deposit (a)	$	1,810	$	6,575	$	1,453	$	1,001	$	701	$	204	$	11,744

(a)Includes $11 million of non-U.S. direct certificates of deposit as of September 30, 2024.