First Citizens Bank Removes Surcharge Fees at Target

Customers gain surcharge-free access to ATMs at more than 2,000 Target store locations nationwide.

Updated on Oct. 20, 2026 in Banking

First Citizens Bank Removes Surcharge Fees at Target

Live Poll

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

First Citizens Bank has partnered with NCR Atleos to eliminate surcharge fees for debit card users at ATMs located in Target stores. This expansion provides customers with fee-free access for cash withdrawals, balance inquiries, and transfers across the retailer's network.

Why it matters

The initiative represents a strategic investment in client experience designed to improve accessibility for banking customers ahead of the busy holiday season. By leveraging the existing retail footprint, the bank seeks to offer greater convenience for daily financial transactions.

First Citizens Bank currently operates more than 600 branches across over 20 states. This partnership extends their service reach to more than 2,000 Target store locations throughout the United States.

The players

First Citizens Bank

Headquartered in Raleigh, North Carolina, this institution operates a regional banking network across the United States.

Target

This major retail corporation operates more than 2,000 stores across the United States.

NCR Atleos

This company provides ATM solutions and infrastructure, including the systems used to facilitate retail-based banking services.

The details

Customers can perform standard banking tasks including cash withdrawals, balance inquiries, and funds transfers by using their debit cards at participating terminals. The bank coordinated with ATM solutions provider NCR Atleos to facilitate this integration across the national retail chain.

Target plans to open eight new store locations across six states during the fall of 2026.
The bank expanded accessibility to support customer needs during the 2026 holiday season.

Market Dynamics

This move follows the broader industry trend of financial institutions partnering with major retailers to extend physical service reach without building new brick-and-mortar branches. By embedding services into high-traffic retail environments, banks aim to compete with larger national institutions while maintaining lean infrastructure.

Customers can now avoid ATM surcharge fees at thousands of retail locations, effectively reducing the cost of accessing cash on the go. This change simplifies daily banking tasks for account holders who frequent Target stores for shopping.

The takeaway

Customers should check for the NCR Atleos branding on Target ATMs to ensure they qualify for the fee-free service. Utilizing in-store retail banking options can help avoid the transaction fees often associated with third-party or out-of-network machines.