First Citizens Bank Expands Nationwide ATM Access Through Partnership with NCR Atleos at Target Stores

RALEIGH, N.C. — First Citizens Bank announced a major enhancement to its everyday banking services today, entering into a strategic agreement with NCR Atleos to provide its clients with surcharge-free access to automated teller machines located inside more than 2,000 Target retail stores nationwide. This expansive new rollout is designed to give First Citizens customers a highly flexible, convenient, and secure way to manage their personal finances while running daily errands, bridging the gap between digital banking channels and physical retail locations.

Under the terms of the agreement, First Citizens Bank customers can now use their standard debit cards at participating NCR Atleos-managed ATMs situated within Target stores across the United States. Through these terminals, clients can execute a wide variety of essential banking transactions without incurring surcharge fees. Available services include withdrawing physical cash, checking current account balances in real time, and transferring funds seamlessly between eligible linked accounts. This initiative significantly broadens the physical footprint available to First Citizens account holders, making everyday financial management more accessible than ever before.

Industry observers note that retail-based ATM partnerships have become an increasingly vital strategy for major financial institutions striving to meet modern consumer expectations. As banking habits continue to evolve, customers increasingly demand frictionless access to their funds wherever they happen to be, whether that involves sophisticated mobile applications or conveniently located physical terminals embedded in high-traffic retail environments.

Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, emphasized the customer-centric philosophy driving the new partnership. Supporting the long-term financial well-being of clients remains at the very heart of the bank’s operational mission, and that fundamental commitment directly guides how financial services are made accessible to the public.

The consumer banking experience must actively meet customers right where they are through multiple integrated channels, whether those channels are digitally enabled or delivered in person, according to Wilson. Having reliable in-store accessibility serves as a practical, everyday extension of the convenience and high standard of service that customers have come to expect from First Citizens throughout its long history.

With the integration of these retail locations, First Citizens customers now enjoy surcharge-free access to a combined network of more than 2,000 ATMs and traditional branch locations spanning the country. This newly expanded network represents the latest milestone in a continuous series of strategic investments aimed at elevating the overall client experience. It reflects the same relationship-driven, client-focused approach that First Citizens has successfully brought to the banking sector for generations, balancing traditional banking values with modern technological convenience.

For customers seeking to utilize the newly expanded network, First Citizens Bank has provided tools to help locate the nearest participating machines. Detailed information regarding the surcharge-free ATM locations, along with specific address data, can be found by visiting the bank’s official online location finder or by utilizing the integrated First Citizens ATM locator feature directly within the official mobile banking application.

First Citizens Bank operates as a premier financial institution helping personal, business, commercial, and wealth clients build lasting financial strength. Headquartered in Raleigh, North Carolina, the institution has cultivated a unique legacy defined by strength, stability, and long-term strategic thinking across multiple generations. The bank offers a comprehensive array of general banking services through a robust network of branches and offices operating nationwide.

Furthermore, First Citizens delivers commercial banking expertise featuring competitive lending, leasing, and specialized financial services coast to coast. Its specialized divisions include innovation banking tailored to support businesses at every stage of their growth lifecycle, alongside a robust nationwide direct bank. Parent company First Citizens BancShares, Inc., traded on the NASDAQ global select market under the ticker symbol FCNCA, stands firmly as a top 20 U.S. financial institution boasting more than $230 billion in total assets and holding a proud position as a member of the prestigious Fortune 500.

Partnering in this nationwide rollout is NCR Atleos, listed on the New York Stock Exchange under the ticker NATL. NCR Atleos is widely recognized as an industry leader in expanding self-service financial access, bringing deep ATM expertise and extensive operational experience to the financial services sector. The company maintains unrivaled operational scale, which includes operating the largest independently owned ATM network in the industry, delivering always-on global services, and continuously driving financial technology innovation.

Atleos focuses heavily on improving operational efficiency for financial institutions, driving valuable foot traffic for major brick-and-mortar retailers, and empowering consumers with seamless, digital-first financial self-service experiences. Demonstrating its strong organizational culture, NCR Atleos was ranked number 12 on Newsweek’s prestigious list of Top 100 Global Most Loved Workplaces for 2025. Headquartered in Atlanta, Georgia, the company supports its global operations with a dedicated workforce of approximately 20,000 employees worldwide.