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Customer Deposits
 3 Months Ended
Mar. 31, 2025
Deposits [Abstract]  
Customer Deposits Customer Deposits
As of March 31, 2025 and December 31, 2024, customer deposits were categorized as interest-bearing or non-interest-bearing as follows:
Table 6.1: Interest-bearing and Non-Interest-bearing Customer Deposits
(Millions)20252024
U.S.:
Interest-bearing$145,494 $138,433 
Non-interest-bearing (includes Card Member credit balances of: 2025, $440; 2024, $513)
501 566 
Non-U.S.:
Interest-bearing17 17 
Non-interest-bearing (includes Card Member credit balances of: 2025, $381; 2024, $395)
384 397 
Total customer deposits$146,396 $139,413 
Customer deposits by deposit type as of March 31, 2025 and December 31, 2024 were as follows:
Table 6.2: Customer Deposits by Type
(Millions)20252024
U.S. interest-bearing deposits:
Savings accounts
$113,243 $108,364 
Checking accounts
2,324 2,045 
Certificates of deposit:
Direct4,291 4,303 
Third-party (brokered)10,117 8,109 
Sweep accounts – Third-party (brokered)15,519 15,612 
Total U.S. interest-bearing deposits
$145,494 $138,433 
Other deposits81 72 
Card Member credit balances821 908 
Total customer deposits$146,396 $139,413 
The scheduled maturities of certificates of deposit as of March 31, 2025 were as follows:
Table 6.3: Scheduled Maturities of Certificates of Deposit
(Millions)20252026202720282029After 5 YearsTotal
Certificates of deposit (a)
$5,663 $2,946 $2,488 $1,697 $668 $956 $14,418 
(a)Includes $10 million of non-U.S. direct certificates of deposit as of March 31, 2025.
As of both March 31, 2025 and December 31, 2024, certificates of deposit in denominations that met or exceeded the insured limit were $1.4 billion.