RALEIGH, N.C. — In a major move to enhance everyday banking convenience for its nationwide client base, First Citizens Bank today announced a strategic agreement with NCR Atleos to provide surcharge-free access to automated teller machines located inside more than 2,000 Target retail stores across the United States.
The nationwide rollout marks a significant expansion of the bank’s physical footprint, offering First Citizens customers a flexible, highly secure, and readily accessible way to manage their personal finances while running everyday errands. Through this new partnership, account holders can utilize their standard First Citizens debit cards at designated ATMs within participating Target locations to conduct essential banking transactions without incurring the extra fees commonly associated with out-of-network cash withdrawals.
The newly enabled services at these retail-based ATMs go beyond simple cash dispensing. Customers will be able to check their real-time account balances, securely withdraw cash, and seamlessly transfer funds between eligible linked accounts directly from the convenience of store aisles. This integration bridges the gap between digital-first banking habits and the enduring need for physical cash access, ensuring that routine financial tasks fit smoothly into the modern consumer’s busy schedule.
Bank executives emphasize that the collaboration is rooted in a customer-centric philosophy designed to meet account holders wherever they happen to be in their daily lives. Michael Wilson, Head of Wealth and Consumer Banking at First Citizens Bank, highlighted the strategic importance of multi-channel accessibility in today’s evolving financial landscape.
"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 consumer banking experience must seamlessly bridge digital and physical channels to satisfy contemporary expectations. "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 integration of these retail-based terminals, First Citizens customers now enjoy surcharge-free access to a robust network comprising more than 2,000 ATMs alongside the bank’s traditional branch locations nationwide. This expanded infrastructure represents the latest milestone in a sustained series of investments aimed at elevating the overall client experience. It reflects the same relationship-driven approach that the institution has cultivated and delivered to generations of clients.
The initiative comes at a time when retail banking customers increasingly value hybrid service models that combine robust mobile applications with convenient physical touchpoints. By placing reliable ATM access inside high-traffic retail environments like Target stores, First Citizens ensures that its account holders have dependable access to their funds without needing to seek out a traditional brick-and-mortar bank branch during standard operating hours.
First Citizens has indicated that customers wishing to locate the newly available surcharge-free ATMs can utilize digital mapping tools provided by the bank. Detailed information regarding the expanded network and specific store locations can be found by visiting the official online locator or by opening the First Citizens ATM locator tool directly within the institution’s mobile banking application.
Headquartered in Raleigh, North Carolina, First Citizens Bank has a long-standing history of helping personal, business, commercial, and wealth clients build financial strength that lasts. The institution is recognized for a unique legacy of strength, stability, and long-term strategic thinking spanning generations. Offering a comprehensive suite of general banking services through nationwide branches and offices, First Citizens also features specialized commercial banking expertise that delivers top-tier lending, leasing, and financial services from coast to coast. Additionally, the bank operates a dedicated innovation banking division designed to support businesses at every stage of their growth, alongside a nationwide direct banking platform.
Parent company First Citizens BancShares, Inc., traded on the NASDAQ under the ticker symbol FCNCA, stands firmly as a top 20 United States financial institution. With more than $230 billion in assets, the corporation is a proud member of the Fortune 500, underscoring its significant footprint and enduring stability within the American economic landscape.
The partner in this nationwide expansion, NCR Atleos, is a prominent global leader in extending self-service financial access. Traded on the New York Stock Exchange under the symbol NATL, NCR Atleos brings extensive ATM expertise and operational scale to the financial services sector. The company manages the largest independently owned ATM network, delivers always-on global services, and continuously pioneers innovations designed to optimize self-service interactions. Atleos provides solutions that simultaneously improve operational efficiency for financial institutions, drive valuable foot traffic for major retailers, and empower consumers with seamless, digital-first financial self-service experiences.
Headquartered in Atlanta, Georgia, NCR Atleos employs approximately 20,000 people globally and has earned widespread recognition for its workplace culture, including being ranked number 12 on Newsweek’s prestigious list of the Top 100 Global Most Loved Workplaces for 2025.
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