v3.25.4
Customer Deposits
 12 Months Ended
Dec. 31, 2025
Deposits [Abstract]  
Customer Deposits
CUSTOMER DEPOSITS
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)20252024
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-bearing18 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)20252024
U.S. interest-bearing deposits:
Savings accounts
$116,867 $108,364 
Checking accounts
2,965 2,045 
Certificates of deposit:
Direct5,979 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 deposits71 72 
Card Member credit balances992 908 
Total customer deposits$152,488 $139,413 
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)20262027202820292030After 5 yearsTotal
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.
As of December 31, 2025 and 2024, certificates of deposit in denominations that met or exceeded the insured limit were $2.0 billion and $1.4 billion, respectively.