v3.26.1
Customer Deposits
 6 Months Ended
Jun. 30, 2026
Deposits [Abstract]  
Customer Deposits Customer Deposits
As of June 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)20262025
U.S.:
Interest-bearing$155,845 $151,425 
Non-interest-bearing (includes Card Member credit balances of: 2026, $507; 2025, $556)
549 606 
Non-U.S.:
Interest-bearing18 18 
Non-interest-bearing (includes Card Member credit balances of: 2026, $558; 2025, $436)
560 439 
Total customer deposits$156,973 $152,488 
Customer deposits by deposit type as of June 30, 2026 and December 31, 2025 were as follows:
Table 6.2: Customer Deposits by Type
(Millions)20262025
U.S. interest-bearing deposits:
Savings accounts
$120,356 $116,867 
Checking accounts
3,498 2,965 
Certificates of deposit:
Direct8,411 5,979 
Third-party (brokered)9,287 9,919 
Sweep accounts – Third-party (brokered)14,293 15,696 
Total U.S. interest-bearing deposits
$155,845 $151,425 
Other deposits64 71 
Card Member credit balances1,064 992 
Total customer deposits$156,973 $152,488 
The scheduled maturities of certificates of deposit as of June 30, 2026 were as follows:
Table 6.3: Scheduled Maturities of Certificates of Deposit
(Millions)20262027202820292030ThereafterTotal
Certificates of deposit (a)
$3,683 $8,577 $2,891 $672 $1,880 $8 $17,711 
(a)Includes $12 million of non-U.S. direct certificates of deposit as of June 30, 2026.
As of June 30, 2026 and December 31, 2025, certificates of deposit in denominations that met or exceeded the insured limit were $2.8 billion and $2.0 billion, respectively.