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

RALEIGH, N.C. — In a major move to enhance everyday banking convenience for its clients, First Citizens Bank today announced a strategic agreement with NCR Atleos to provide customers with surcharge-free access to automated teller machines (ATMs) located at more than 2,000 Target stores across the United States.

This nationwide rollout represents a significant expansion of First Citizens’ physical banking footprint, offering account holders a flexible, highly accessible, and secure way to manage their finances while running everyday errands. Through the partnership, First Citizens customers can now utilize their debit cards at participating Target store ATMs to conduct a variety of essential banking transactions without incurring any surcharge fees.

The services available at these in-store terminals include withdrawing cash, checking account balances, and seamlessly transferring funds between eligible linked accounts. By integrating these services into high-traffic retail environments, First Citizens is leaning into a hybrid model of customer service that bridges traditional branch banking with modern, on-the-go convenience.

Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, emphasized the customer-centric philosophy driving the new initiative. According to Wilson, supporting the long-term financial well-being of clients remains at the core of the institution’s mission, dictating how banking services are designed and delivered.

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

With the addition of the NCR Atleos-powered network within Target stores, First Citizens customers now enjoy surcharge-free access to a combined total of more than 2,000 ATMs and traditional branch locations nationwide. This expanded network rollout serves as the latest milestone in a continuous series of investments designed to elevate the overall client experience. Company leaders note that these enhancements reflect the same relationship-driven, client-focused approach that First Citizens has maintained throughout its multi-generational history.

The initiative arrives as financial institutions increasingly seek ways to deliver physical convenience without the overhead costs of constructing traditional brick-and-mortar branches in every neighborhood. By leveraging established retail partnerships, banks can provide broader geographic reach and greater day-to-day utility for consumers who prefer physical cash access alongside digital banking applications.

For First Citizens customers looking to take advantage of the new offering, locating the nearest surcharge-free machine is straightforward. Information regarding the expanded network and specific terminal locations can be found by visiting the bank’s official online location finder at locations.firstcitizens.com, or by utilizing the built-in ATM locator feature within the First Citizens mobile banking application.

First Citizens Bank, headquartered in Raleigh, North Carolina, has long cultivated a legacy of financial strength, stability, and long-term strategic thinking. The institution caters to a diverse clientele encompassing personal, business, commercial, and wealth management clients, helping them build financial strength that lasts. Offering a comprehensive suite of financial products and services, First Citizens operates physical branches and offices nationwide.

Its commercial banking division delivers specialized lending, leasing, and financial services coast-to-coast, while its innovation banking sector supports businesses at every stage of their growth cycle. Additionally, First Citizens operates a robust nationwide direct bank. The institution’s parent company, First Citizens BancShares, Inc., trades on the NASDAQ stock exchange under the ticker symbol FCNCA. As a top 20 U.S. financial institution holding more than $230 billion in assets, First Citizens BancShares is a proud member of the Fortune 500.

NCR Atleos, the partner facilitating the expansive retail ATM rollout, is a prominent leader in the global self-service financial access sector. Operating under the NYSE ticker symbol NATL, the company is recognized for its industry-leading ATM expertise, extensive operational experience, and unrivaled operational scale. NCR Atleos manages the largest independently-owned ATM network, provides always-on global services, and continuously pioneers innovative financial technologies.

The company’s core mission centers on helping financial institutions improve operational efficiency, driving valuable foot traffic to retail partners, and enabling seamless, digital-first financial self-service experiences for everyday consumers. Headquartered in Atlanta, Georgia, NCR Atleos employs approximately 20,000 people globally and was recently ranked number 12 on Newsweek’s prestigious 2025 list of the Top 100 Global Most Loved Workplaces.