Customer Deposits (Tables)

9 Months Ended

Sep. 30, 2025

Deposits [Abstract]

Customer deposits by component and type

As of September 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	$	148,924	$	138,433
Non-interest-bearing (includes Card Member credit balances of: 2025, $454; 2024, $513)	521		566
Non-U.S.:
Interest-bearing	18		17
Non-interest-bearing (includes Card Member credit balances of: 2025, $417; 2024, $395)	420		397
Total customer deposits	$	149,883	$	139,413

Customer deposits by deposit type as of September 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	$	113,998	$	108,364
Checking accounts	2,755		2,045
Certificates of deposit:
Direct	5,169		4,303
Third-party (brokered)	11,437		8,109
Sweep accounts – Third-party (brokered)	15,566		15,612
Total U.S. interest-bearing deposits	$	148,924	$	138,433
Other deposits	88		72
Card Member credit balances	871		908
Total customer deposits	$	149,883	$	139,413

Time deposits by maturity

The scheduled maturities of certificates of deposit as of September 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)	$	2,409	$	4,871	$	4,081	$	2,724	$	671	$	1,861	$	16,618

(a)Includes $12 million of non-U.S. direct certificates of deposit as of September 30, 2025.