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Customer Deposits
 6 Months Ended
Jun. 30, 2025
Deposits [Abstract]  
Customer Deposits Customer Deposits
As of June 30, 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$148,407 $138,433 
Non-interest-bearing (includes Card Member credit balances of: 2025, $460; 2024, $513)
525 566 
Non-U.S.:
Interest-bearing18 17 
Non-interest-bearing (includes Card Member credit balances of: 2025, $433; 2024, $395)
436 397 
Total customer deposits$149,386 $139,413 
Customer deposits by deposit type as of June 30, 2025 and December 31, 2024 were as follows:
Table 6.2: Customer Deposits by Type
(Millions)20252024
U.S. interest-bearing deposits:
Savings accounts
$113,720 $108,364 
Checking accounts
2,511 2,045 
Certificates of deposit:
Direct4,739 4,303 
Third-party (brokered)12,020 8,109 
Sweep accounts – Third-party (brokered)15,417 15,612 
Total U.S. interest-bearing deposits
$148,407 $138,433 
Other deposits86 72 
Card Member credit balances893 908 
Total customer deposits$149,386 $139,413 
The scheduled maturities of certificates of deposit as of June 30, 2025 were as follows:
Table 6.3: Scheduled Maturities of Certificates of Deposit
(Millions)20252026202720282029After 5 YearsTotal
Certificates of deposit (a)
$4,212 $3,682 $3,650 $2,721 $669 $1,836 $16,770 
(a)Includes $11 million of non-U.S. direct certificates of deposit as of June 30, 2025.
As of June 30, 2025 and December 31, 2024, certificates of deposit in denominations that met or exceeded the insured limit were $1.5 billion and $1.4 billion, respectively.