First Citizens Bank Expands Surcharge-Free ATM Access to Over 2,000 Target Stores Through Partnership with NCR Atleos

RALEIGH, N.C. — In a major move to enhance physical banking convenience for its expanding nationwide client base, First Citizens Bank today announced a strategic partnership with NCR Atleos to provide customers with surcharge-free access to automated teller machines located inside more than 2,000 Target retail stores across the United States.

The nationwide rollout bridges the gap between traditional banking and everyday retail convenience, offering First Citizens customers a flexible, highly accessible, and secure way to manage their personal finances while running routine errands. Under the terms of the agreement, account holders can utilize their debit cards at designated ATMs within participating Target locations to perform a wide variety of essential everyday banking transactions. These services include withdrawing cash, checking real-time account balances, and seamlessly transferring funds between eligible linked accounts, all without incurring surcharge fees at the point of access.

The collaboration represents a significant milestone in First Citizens’ ongoing efforts to modernize and broaden its physical and digital service channels, ensuring that clients can engage with their bank wherever their daily routines take them.

“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,” said Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank. “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.”

By integrating the extensive retail footprint of Target stores through NCR Atleos’ robust ATM infrastructure, First Citizens has substantially fortified its national presence. Customers now enjoy surcharge-free access to a combined network spanning more than 2,000 ATMs located both within retail environments and across the institution’s traditional branch network nationwide. This expanded coverage is the latest chapter in a consistent series of strategic investments aimed at elevating the client experience. It reflects the same client-centered, relationship-driven philosophy that First Citizens has cultivated and maintained through generations of banking operations.

For everyday consumers balancing busy schedules, the ability to address essential banking needs inside a major retail destination like Target removes friction from routine financial management. Rather than making a dedicated trip to a bank branch or an isolated ATM kiosk, customers can integrate financial transactions into their weekly shopping trips. Industry analysts note that such partnerships are increasingly vital for financial institutions seeking to deliver high-touch service while adapting to evolving consumer expectations around mobility, accessibility, and convenience.

First Citizens Bank encourages customers looking to take advantage of the new network to explore the full range of available locations. Comprehensive information regarding the expanded network of surcharge-free ATMs, alongside location-finding tools, can be accessed by visiting the official bank locator online or by utilizing the built-in ATM locator feature within the First Citizens mobile banking application.

About First Citizens Bank

First Citizens Bank helps personal, business, commercial, and wealth clients build financial strength that lasts. Headquartered in Raleigh, North Carolina, First Citizens has built a unique legacy of strength, stability, and long-term thinking that has spanned generations. The institution offers a comprehensive array of general banking services with physical branches and professional offices situated nationwide.

Additionally, First Citizens provides specialized commercial banking expertise that delivers best-in-class lending, leasing, and other sophisticated financial services from coast to coast. The bank also features dedicated innovation banking services designed to support businesses at every stage of their growth cycle, alongside a robust nationwide direct banking division.

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. Backed by more than $230 billion in total assets, the company is a proud member of the Fortune 500, underscoring its significant footprint, stability, and enduring influence within the American financial sector.

About NCR Atleos

NCR Atleos, publicly traded on the New York Stock Exchange under the ticker symbol NATL, is a recognized global leader in expanding self-service financial access. The company brings industry-leading ATM expertise and deep operational experience to the financial services ecosystem, backed by unrivaled operational scale that includes the largest independently owned ATM network in the industry.

Atleos delivers always-on global services and continuous technological innovation designed to empower both financial institutions and retailers. By partnering with Atleos, banks and credit unions can dramatically improve their operational efficiency, while retailers benefit from increased customer footfall driven by convenient on-site financial services. Furthermore, Atleos enables seamless, digital-first financial self-service experiences for modern consumers who demand fast and reliable access to their cash and accounts.

Reflecting its commitment to corporate culture and employee engagement, NCR Atleos was recently ranked number 12 in Newsweek’s prestigious 2025 Top 100 Global Most Loved Workplaces list. Headquartered in Atlanta, Georgia, NCR Atleos employs approximately 20,000 dedicated professionals globally.