Customer Deposits

12 Months Ended

Dec. 31, 2024

Deposits [Abstract]

Customer Deposits

CUSTOMER DEPOSITS

As of December 31, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:

TABLE 7.1: INTEREST-BEARING AND NON-INTEREST-BEARING CUSTOMER DEPOSITS

(Millions)	2024		2023
U.S.:
Interest-bearing	$	138,433	$	128,146
Non-interest-bearing (includes Card Member credit balances of: 2024, $513; 2023, $495)	566		557
Non-U.S.:
Interest-bearing	17		12
Non-interest-bearing (includes Card Member credit balances of: 2024, $395; 2023, $426)	397		429
Total customer deposits	$	139,413	$	129,144

Customer deposits by deposit type as of December 31 were as follows:

TABLE 7.2: CUSTOMER DEPOSITS BY TYPE

(Millions)	2024		2023
U.S. interest-bearing deposits:
Savings accounts	$	108,364	$	92,324
Checking accounts	2,045		1,398
Certificates of deposit:
Direct	4,303		5,557
Third-party (brokered)	8,109		12,960
Sweep accounts ― Third-party (brokered)	15,612		15,907
Total U.S. interest-bearing deposits	$	138,433	$	128,146
Other deposits	72		77
Card Member credit balances	908		921
Total customer deposits	$	139,413	$	129,144

The scheduled maturities of certificates of deposit as of December 31, 2024 were as follows:

TABLE 7.3: SCHEDULED MATURITIES OF CERTIFICATES OF DEPOSIT

(Millions)	2025		2026		2027		2028		2029		After 5 years		Total
Certificates of deposit (a)	$	7,409	$	2,244	$	1,399	$	701	$	669	$	—	$	12,422

(a)Includes $10 million of non-U.S. direct certificates of deposit as of December 31, 2024.

As of December 31, 2024 and 2023, certificates of deposit in denominations that met or exceeded the insured limit were $1.4 billion and $1.8 billion, respectively.