AMERICAN EXPRESS CO
For the period ended Dec 31, 2025. Filed Feb 6, 2026.
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FY2025 · Filed Feb 6, 2026
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– Customer Deposits
NOTE 7
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) | 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 |
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.
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.
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