Agreement with NCR Atleos adds more than 2,000 Target locations to the bank's surcharge-free ATM network

RALEIGH, N.C., October 19, 2026 – First Citizens Bank today announced an agreement with NCR Atleos to provide clients with surcharge-free access to ATMs at more than 2,000 Target stores. The nationwide rollout provides First Citizens’ customers with a flexible, convenient, and secure way to access everyday banking at participating Target locations.

First Citizens Bank customers may use their debit card at ATMs in Target locations to access essential banking services, including withdrawing cash, checking account balances, and transferring funds between eligible linked accounts, without paying a surcharge fee at participating locations.

"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."

With this addition, First Citizens customers now have surcharge-free access to more than 2,000 ATMs and at branch locations nationwide. The expanded network is the latest in a series of investments in the client experience, reflecting the same client-centered, relationship-driven approach First Citizens has brought to banking for generations.

For more information on First Citizens Bank's expanded network of surcharge-free ATMs, and where to find them, please visit locations.firstcitizens.com or use the First Citizens ATM locator on the mobile app.

About First Citizens Bank
First Citizens Bank helps personal, business, commercial and wealth clients build financial strength that lasts. Headquartered in Raleigh, N.C., First Citizens has built a unique legacy of strength, stability and long-term thinking that has spanned generations. First Citizens offers an array of general banking services with branches and offices nationwide; commercial banking expertise delivering best-in-class lending, leasing and other financial services coast to coast; innovation banking serving businesses at every stage; and a nationwide direct bank. Parent company First Citizens BancShares, Inc. (NASDAQ: FCNCA) is a top 20 U.S. financial institution with more than $230 billion in assets and a member of the Fortune 500™. Discover more at firstcitizens.com.

About NCR Atleos
NCR Atleos (NYSE: NATL) is a leader in expanding self-service financial access, with industry-leading ATM expertise and experience, unrivaled operational scale including the largest independently-owned ATM network, always-on global services and constant innovation. Atleos improves operational efficiency for financial institutions, drives footfall for retailers and enables digital-first financial self-service experiences for consumers. NCR Atleos is ranked #12 in Newsweek’s prestigious 2025 Top 100 Global Most Loved Workplaces® list. NCR Atleos is headquartered in Atlanta, Ga., with approximately 20,000 employees globally. For more information, visit www.ncratleos.com.

Media Contact
Liz Shapiro
Liz.Shapiro@firstcitizens.com