First Citizens Bank Ends ATM Surcharges at Target Stores

Customers can now access cash and manage accounts without fees at over 2,000 retail locations across the country.

Updated on Oct. 21, 2026 in Banking

Gouache-painted editorial illustration of a standalone ATM unit centered in a tiled retail aisle, representing expanded banking access. — First Citizens Bank customers may now access cash and manage accounts without surcharge fees at more than 2,000 Target store locations nationwide. AI Illustration. Upload story photo >

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Does having fee-free ATM access in retail stores improve your personal banking experience?

First Citizens Bank customers can now use debit cards at ATMs in more than 2,000 Target stores without paying surcharge fees. This change, facilitated by a new partnership with NCR Atleos, aims to provide greater cash access across the United States.

Why it matters

Eliminating ATM surcharges reduces the incidental costs associated with daily banking and cash management for bank clients. The initiative is part of a broader strategy to increase service accessibility for households.

First Citizens Bank customers gain surcharge-free access to a network of 2,000 Target stores across the United States. This expansion significantly exceeds the bank's existing footprint of 600 branches operating in over 20 states.

The players

First Citizens Bank

A financial institution based in Raleigh, North Carolina, that provides personal banking services through over 600 branches.

Target

A national retailer operating more than 2,000 stores in the United States that serves as the host for the new ATM network.

NCR Atleos

An ATM solutions provider that partnered with the bank to facilitate the surcharge-free access for cardholders.

The details

By partnering with ATM solutions provider NCR Atleos, First Citizens Bank has integrated its banking network with the infrastructure already present in Target locations. Customers can now perform standard debit card transactions, including cash withdrawals, balance inquiries, and funds transfers, without triggering the fees typically associated with out-of-network machines.

Fall 2026: Target plans to open eight new store locations across six states.
Holiday season 2026: The bank aims to improve customer accessibility.

Money Landscape

This move follows a long-standing industry trend where financial institutions partner with retailers to extend physical banking reach beyond traditional brick-and-mortar branches. It marks a push to improve service convenience amid ongoing competition for consumer loyalty.

You can now save on transaction costs by using your First Citizens Bank debit card for cash withdrawals and balance inquiries at Target locations. Review your bank's fee schedule with a financial professional if you have questions about how these changes affect your monthly budget.

The takeaway

Avoiding ATM surcharges provides an easy way to lower your daily banking expenses. When planning holiday shopping or travel, check your bank's website to confirm which retail locations offer free access to your funds.