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DEPOSITS

6 Months Ended

Jun. 30, 2026

Other Liabilities Disclosure [Abstract]

DEPOSITS

DEPOSITS

Deposits were categorized as interest-bearing or non-interest-bearing as follows, as of the dates presented:

			June 30, 2026						December 31, 2025
(Millions)
Interest-bearing			$	14,708					$	13,891
Non-interest-bearing (including cardholder credit balances)			24						25
Total deposits			$	14,732					$	13,916

Deposits by deposit type were as follows as of the dates presented:

			June 30, 2026						December 31, 2025
(Millions)
Savings accounts
Direct-to-consumer (retail)			$	5,138					$	4,329
Wholesale			3,496						3,371
Certificates of deposit
Direct-to-consumer (retail)			4,220						4,193
Wholesale			1,854						1,998
Cardholder credit balances			24						25
Total deposits			$	14,732					$	13,916

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

(Millions)
2026 (1)			$	2,602
2027			2,789
2028			525
2029			87
2030			57
Thereafter			14
Total certificates of deposit			$	6,074

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(1)The 2026 balance includes $3 million in unamortized debt issuance costs, which are associated with the entire portfolio of certificates of deposit.

As of June 30, 2026 and December 31, 2025, retail deposits that exceeded applicable Federal Deposit Insurance Corporation (FDIC) insurance limits, which are generally $250,000 per depositor, per insured bank, per ownership category, were estimated to be $736 million (5% of Total deposits) and $638 million (5% of Total deposits), respectively. The measurement of estimated uninsured deposits aligns with regulatory guidelines.

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- Definition

The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.

+ References

Reference 1: http://www.xbrl.org/2009/role/commonPracticeRef
-Topic 942
-SubTopic 405
-Name Accounting Standards Codification
-Section 50
-Paragraph 1
-Publisher FASB
-URI https://asc.fasb.org/1943274/2147478353/942-405-50-1

Reference 2: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Paragraph e
-Publisher SEC

Reference 3: http://www.xbrl.org/2003/role/disclosureRef
-Name Regulation S-K (SK)
-Number 229
-Section 1406
-Publisher SEC

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X

- References

No definition available.

+ Details

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