Customer Deposits (Tables)

6 Months Ended

Jun. 30, 2025

Deposits [Abstract]

Customer deposits by component and type

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)	2025		2024
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-bearing	18		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)	2025		2024
U.S. interest-bearing deposits:
Savings accounts	$	113,720	$	108,364
Checking accounts	2,511		2,045
Certificates of deposit:
Direct	4,739		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 deposits	86		72
Card Member credit balances	893		908
Total customer deposits	$	149,386	$	139,413

Time deposits by maturity

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)	2025		2026		2027		2028		2029		After 5 Years		Total
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.