First Citizens Bank Partners with NCR Atleos to Bring Surcharge-Free ATM Access to Over 2,000 Target Stores Nationwide

RALEIGH, N.C. — In a major expansion of its physical banking footprint and everyday convenience for customers, First Citizens Bank announced a new strategic agreement with NCR Atleos today. The nationwide rollout will provide 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 collaboration is designed to offer First Citizens customers a highly flexible, secure, and convenient way to handle their everyday banking needs while running daily errands. By embedding essential banking services directly into popular retail environments, the financial institution is taking another significant step toward meeting its clientele seamlessly within their daily routines, blending digital capabilities with practical, in-person accessibility.

Under the terms of the new partnership, First Citizens Bank customers will be able to use their debit cards at participating NCR Atleos-powered ATMs situated within Target locations to perform a wide variety of essential transactions. These services include withdrawing cash, checking real-time account balances, and securely transferring funds between eligible linked accounts. Crucially, eligible customers will be able to complete these everyday transactions without incurring any surcharge fees at the participating retail sites, making routine banking both more accessible and more cost-effective.

The initiative underscores a broader philosophy at First Citizens regarding modern consumer banking. Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, emphasized the importance of aligning financial services with the evolving lifestyles of modern account holders.

"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 actively meet customers wherever they happen to be, utilizing multiple channels ranging from digital platforms to physical touchpoints. "Having in-store accessibility is a practical extension of the convenience and service our customers expect from First Citizens."

With the integration of the 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 nationwide. This expanded physical network represents the latest in a continuous series of strategic investments aimed at enhancing the overall client experience. It reflects the same client-centered, relationship-driven operational approach that First Citizens has cultivated and maintained for generations, even as the broader financial sector undergoes rapid technological transformation.

For consumers interested in locating the newly added surcharge-free ATMs, First Citizens Bank has directed clients to utilize its official digital resources. Information regarding network expansion and specific terminal locations can be found by visiting the bank’s dedicated locator webpage at locations.firstcitizens.com, or by utilizing the built-in ATM locator feature within the official First Citizens mobile banking application.

First Citizens Bank operates as a major subsidiary of First Citizens BancShares, Inc., a top 20 U.S. financial institution traded on the NASDAQ global select market under the ticker symbol FCNCA. Headquartered in Raleigh, North Carolina, the parent company commands more than $230 billion in assets and holds an esteemed place among the Fortune 500. First Citizens Bank itself maintains a unique legacy of financial strength, stability, and long-term thinking spanning multiple generations. The institution provides a comprehensive array of general banking services through an extensive network of physical branches and offices nationwide. In addition to retail banking, First Citizens delivers commercial banking expertise—offering lending, leasing, and specialized financial services coast-to-coast—alongside dedicated innovation banking for enterprises at every stage of growth, and a robust nationwide direct banking operation.

The bank’s partner in this nationwide retail initiative, NCR Atleos, operates globally as a prominent leader in expanding self-service financial access. Listed on the New York Stock Exchange under the ticker NATL, NCR Atleos brings industry-leading ATM expertise, unrivaled operational scale, and a reputation for constant technological innovation to the financial services sector. The company manages the largest independently owned ATM network globally, provides always-on global services, and helps financial institutions drastically improve operational efficiency while simultaneously driving valuable customer footfall for retail partners. Headquartered in Atlanta, Georgia, with a global workforce of approximately 20,000 employees, NCR Atleos is widely recognized for its workplace culture, having earned the number 12 spot on Newsweek’s prestigious 2025 list of Top 100 Global Most Loved Workplaces.