First Citizens Bank Expands Nationwide Access with Surcharge-Free ATMs at Over 2,000 Target Stores

RALEIGH, N.C. — In a major move to enhance everyday banking convenience for its nationwide customer base, First Citizens Bank announced a new strategic agreement with NCR Atleos today. Under the partnership, First Citizens clients will gain surcharge-free access to automated teller machines located inside more than 2,000 Target stores across the United States.

The nationwide rollout is designed to provide First Citizens customers with a flexible, highly accessible, and secure way to manage their everyday banking needs while on the go. By integrating these high-traffic retail locations into its existing infrastructure, the bank is significantly broadening its physical footprint without requiring customers to seek out traditional brick-and-mortar branch locations for routine transactions.

Through this newly established arrangement, First Citizens Bank customers can utilize their standard debit cards at participating ATMs situated within Target stores to perform a comprehensive suite of essential banking services. These capabilities include withdrawing cash, checking real-time account balances, and transferring funds seamlessly between eligible linked accounts. Crucially, eligible customers will be able to complete these everyday transactions without incurring any surcharge fees at the participating retail locations.

The initiative underscores a broader industry trend toward blending traditional financial services with everyday retail environments, meeting consumers where they naturally spend their time. For a regional institution with a rapidly expanding national presence, securing partnerships with major retail giants represents an effective strategy to compete with larger national banks in terms of convenience and accessibility.

Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, emphasized that the decision stems from a deep-rooted commitment to client convenience and long-term financial health.

"Supporting our customers’ long-term financial well-being is at the heart of what we do, and that commitment guides how we make banking services accessible," Wilson said. He further noted that the modern consumer banking experience must seamlessly bridge digital and physical worlds to remain relevant to diverse customer demographics.

"The consumer banking experience needs to meet customers where they are through multiple channels, whether in-person or digitally enabled," Wilson added. "Having in-store accessibility is a practical extension of the convenience and service our customers expect from First Citizens."

With the addition of the nationwide Target store network, First Citizens customers now enjoy surcharge-free access to a combined total of more than 2,000 ATMs and traditional branch locations spanning the country. This expanded network represents the latest milestone in a sustained series of strategic investments aimed at elevating the overall client experience. Executives note that these enhancements reflect the same client-centered, relationship-driven philosophy that First Citizens has cultivated and maintained for generations of banking operations.

The announcement comes at a time when retail banking customers increasingly value multi-channel accessibility. While digital banking applications and mobile deposits have transformed how people handle routine finances, the demand for physical cash access and reliable ATM networks remains robust. By partnering with NCR Atleos, First Citizens leverages an established operational framework that minimizes downtime and ensures a reliable, always-on self-service experience for consumers.

For customers seeking to take immediate advantage of the expanded service, First Citizens Bank has updated its digital directories. Individuals can find specific locations, check operating hours, and verify participating surcharge-free terminals by visiting the bank’s official location finder online or by utilizing the integrated First Citizens ATM locator feature directly within the mobile banking application.

First Citizens Bank operates as a major financial institution helping personal, business, commercial, and wealth clients build financial strength that lasts. Headquartered in Raleigh, North Carolina, the institution has built a unique legacy rooted in strength, stability, and long-term strategic thinking spanning multiple generations. The bank offers a comprehensive array of general banking services through an extensive network of branches and offices nationwide. In addition to consumer banking, First Citizens features robust commercial banking expertise that delivers top-tier lending, leasing, and financial solutions from coast to coast. The organization also houses specialized divisions such as innovation banking, designed to support businesses at every stage of their growth lifecycle, alongside a comprehensive nationwide direct bank.

Parent company First Citizens BancShares, Inc., traded on the NASDAQ under the ticker symbol FCNCA, stands as a top 20 U.S. financial institution. Backed by more than $230 billion in assets, the corporation is a proud member of the Fortune 500, cementing its status as a pillar of the American financial services sector.

NCR Atleos, the strategic partner facilitating the Target store ATM network integration, operates globally as a recognized leader in expanding self-service financial access. The company brings industry-leading ATM expertise, unrivaled operational scale, and the largest independently owned ATM network to the collaboration. Atleos specializes in providing always-on global services and continuous innovation designed to improve operational efficiency for financial institutions while simultaneously driving valuable foot traffic for major retailers. Through its advanced infrastructure, Atleos enables secure, digital-first financial self-service experiences for modern consumers.

Ranked number 12 in Newsweek’s prestigious 2025 list of Top 100 Global Most Loved Workplaces, NCR Atleos maintains a massive global footprint. Headquartered in Atlanta, Georgia, the company employs approximately 20,000 professionals worldwide, dedicated to transforming the future of financial self-service technology and retail banking integration.