RALEIGH, N.C. — In a major move to enhance everyday banking convenience for its nationwide customer base, First Citizens Bank announced a strategic new agreement with NCR Atleos today. The collaboration provides First Citizens clients with surcharge-free access to automated teller machines located inside more than 2,000 Target retail stores across the United States.
The nationwide rollout is designed to offer First Citizens customers a highly flexible, convenient, and secure way to manage their finances while running everyday errands. By integrating ATM services into popular retail environments, the bank is bridging the gap between digital convenience and physical accessibility, ensuring that account holders can manage their money smoothly as part of their regular daily routines.
Under the terms of the agreement, First Citizens Bank customers can simply use their standard debit cards at participating NCR Atleos-managed ATMs within Target locations. This grants them immediate access to a suite of essential banking services without incurring surcharge fees at those locations. Customers can perform routine financial transactions, including withdrawing cash, checking real-time account balances, and transferring funds between eligible linked accounts, all while taking advantage of the extended operating hours and convenient parking typically offered by major retail destinations.
Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, emphasized that the initiative stems from a fundamental dedication to the financial well-being of the bank’s clientele. Supporting customers’ long-term financial health sits at the very heart of the institution’s operational philosophy, and that ongoing commitment directly guides how the bank determines to make its services broadly and easily accessible.
"The consumer banking experience needs to meet customers where they are through multiple channels, whether in-person or digitally enabled," Wilson stated, highlighting the evolving landscape of modern consumer expectations. He further noted that having in-store accessibility serves as a practical, real-world extension of the high standard of convenience and personal service that customers have come to expect from First Citizens over generations of relationship-driven banking.
With the successful integration of these new retail locations, First Citizens customers now benefit from surcharge-free access spanning thousands of ATMs alongside the bank’s traditional branch network nationwide. This expanded footprint represents the latest milestone in a continuous series of strategic investments aimed at elevating the overall client experience. It mirrors the same client-centered and relationship-driven philosophy that First Citizens has steadfastly maintained throughout its long history in the American financial sector.
For account holders looking to take immediate advantage of the expanded network, the bank has directed clients to utilize its digital tools for easy location tracking. Detailed information regarding the new surcharge-free ATMs, including precise geographic locations and operating hours, can be found by visiting the official online locator or by accessing the integrated First Citizens ATM locator feature directly through the bank’s mobile banking application.
The partnership arrives as part of broader efforts by First Citizens to maintain its competitive edge as a top-tier financial institution while responding to the shifting preferences of modern banking consumers who increasingly value hybrid access models that combine robust digital platforms with physical touchpoints.
Headquartered in Raleigh, North Carolina, First Citizens Bank operates with a distinct legacy of financial strength, stability, and long-term strategic thinking that has spanned multiple generations. The institution offers a comprehensive array of general banking services, maintaining a robust network of physical branches and regional offices nationwide. Its specialized divisions include commercial banking expertise that delivers lending, leasing, and financial services coast-to-coast, innovation banking tailored to support emerging businesses at every stage of their growth cycle, and a nationwide direct banking platform.
The bank operates as a subsidiary of First Citizens BancShares, Inc., which trades on the NASDAQ stock exchange under the ticker symbol FCNCA. As a recognized top 20 U.S. financial institution holding more than $230 billion in assets, First Citizens BancShares proudly maintains its status as a member of the Fortune 500, cementing its position as a pillar of stability and security within the domestic and broader economic landscape.
On the other side of the agreement, NCR Atleos—traded on the New York Stock Exchange under the ticker NATL—brings extensive industry expertise and unmatched operational scale to the partnership. As a recognized leader in expanding self-service financial access, Atleos operates the largest independently-owned ATM network in the industry, providing always-on global services, advanced ATM management solutions, and continuous innovation designed to meet the demands of modern financial institutions and retailers alike.
Atleos’s advanced operational framework enables financial institutions to optimize their efficiency, drives valuable foot traffic for major retail partners, and empowers consumers with secure, digital-first financial self-service experiences. Headquartered in Atlanta, Georgia, the company employs approximately 20,000 team members globally and is widely recognized for its workplace culture, having been ranked number 12 on Newsweek’s prestigious list of the Top 100 Global Most Loved Workplaces for 2025.
