Customer Deposits (Tables)

12 Months Ended

Dec. 31, 2025

Deposits [Abstract]

Customer deposits by component and type

As of December 31, 2025 and 2024, 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)	2025		2024
U.S.:
Interest-bearing	$	151,425	$	138,433
Non-interest-bearing (includes Card Member credit balances of: 2025, $556; 2024, $513)	606		566
Non-U.S.:
Interest-bearing	18		17
Non-interest-bearing (includes Card Member credit balances of: 2025, $436; 2024, $395)	439		397
Total customer deposits	$	152,488	$	139,413

Customer deposits by deposit type as of December 31, 2025 and 2024 were as follows:

TABLE 7.2: CUSTOMER DEPOSITS BY TYPE

(Millions)	2025		2024
U.S. interest-bearing deposits:
Savings accounts	$	116,867	$	108,364
Checking accounts	2,965		2,045
Certificates of deposit:
Direct	5,979		4,303
Third-party (brokered)	9,919		8,109
Sweep accounts ― Third-party (brokered)	15,696		15,612
Total U.S. interest-bearing deposits	$	151,425	$	138,433
Other deposits	71		72
Card Member credit balances	992		908
Total customer deposits	$	152,488	$	139,413

Time deposits by maturity

The scheduled maturities of certificates of deposit as of December 31, 2025 were as follows:

TABLE 7.3: SCHEDULED MATURITIES OF CERTIFICATES OF DEPOSIT

(Millions)	2026		2027		2028		2029		2030		After 5 years		Total
Certificates of deposit (a)	$	5,543	$	5,094	$	2,724	$	672	$	1,877	$	—	$	15,909

(a)Includes $12 million of non-U.S. direct certificates of deposit as of December 31, 2025.