Customer Deposits (Tables)

9 Months Ended

Sep. 30, 2026

Deposits [Abstract]

Customer deposits by component and type

As of September 30, 2026 and December 31, 2025, 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)	2026		2025
U.S.:
Interest-bearing	$	153,926	$	151,425
Non-interest-bearing (includes Card Member credit balances of: 2026, $483; 2025, $556)	542		606
Non-U.S.:
Interest-bearing	22		18
Non-interest-bearing (includes Card Member credit balances of: 2026, $525; 2025, $436)	528		439
Total customer deposits	$	155,019	$	152,488

Customer deposits by deposit type as of September 30, 2026 and December 31, 2025 were as follows:

Table 6.2: Customer Deposits by Type

(Millions)	2026		2025
U.S. interest-bearing deposits:
Savings accounts	$	118,337	$	116,867
Checking accounts	3,801		2,965
Certificates of deposit:
Direct	9,882		5,979
Third-party (brokered)	8,853		9,919
Sweep accounts – Third-party (brokered)	13,053		15,696
Total U.S. interest-bearing deposits	$	153,926	$	151,425
Other deposits	85		71
Card Member credit balances	1,008		992
Total customer deposits	$	155,019	$	152,488

Time deposits by maturity

The scheduled maturities of certificates of deposit as of September 30, 2026 were as follows:

Table 6.3: Scheduled Maturities of Certificates of Deposit

(Millions)	2026		2027		2028		2029		2030		Thereafter		Total
Certificates of deposit (a)	$	2,171	$	11,046	$	2,965	$	672	$	1,882	$	11	$	18,747

(a)Includes $12 million of non-U.S. direct certificates of deposit as of September 30, 2026.