First Citizens Bank adds fee-free ATMs at Target stores nationwide. By Diah Susanti October 25, 2026 First Citizens Bank has formed a partnership with NCR Atleos to provide surcharge-free ATM access at more than 2,000 Target stores nationwide. Under the arrangement, customers can withdraw cash, review account balances, and conduct fund transfers without incurring extra fees at these locations. The initiative builds on the bank's existing network of fee-free cash access points, including branches and other ATMs. Customers will simply use their debit cards at Target's ATMs to perform basic banking tasks. This development supports First Citizens' strategy of enhancing convenience, ensuring clients can access financial services both in-store and through digital or branch-based channels. Michael Wilson, the bank's Head of Wealth and Consumer Banking, emphasized that in-store availability strengthens the overall customer experience by integrating seamlessly with other service options. The bank's decision follows its ongoing efforts to improve accessibility for clients. Customers can easily locate surcharge-free ATMs via the bank's website or mobile application. Based in Raleigh, North Carolina, First Citizens Bank serves individuals, businesses, and high-net-worth clients nationwide, with total assets exceeding $230 billion. The institution operates an extensive branch network and is included in the Fortune 500. Meanwhile, NCR Atleos, headquartered in Atlanta, Georgia, employs approximately 20,000 people globally and has recently been recognized among the world's top workplaces. Financial institutions behind the expansion. The institution operates branches and offices nationwide, offering lending, leasing, and wealth management solutions. Its parent company, First Citizens BancShares, ranks among the top 20 U.S. financial institutions by assets.

First Citizens Bank to collaborate with NCR Atleos to provide ATM access at Target stores nationwide. 2 hours ago RALEIGH, N.C. - 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. 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(TM). 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(R) list. NCR Atleos is headquartered in Atlanta, Ga., with approximately 20,000 employees globally. For more information, visit www.ncratleos.com.

Police FCU goes live on Mahalo platform in tandem with core conversion. Police Federal Credit Union has completed a simultaneous digital banking implementation and core system migration, going live on Mahalo Banking's Thoughtful Banking platform at the same time as it converted its back-end infrastructure to Corelation KeyStone. The Washington D.C.-area credit union serves more than 13,000 members and holds assets exceeding $178 million. The dual-track project is notable for its scope. Running a core conversion and a digital banking replacement in parallel is operationally demanding, and many institutions sequence them separately to limit risk. Police FCU's decision to execute both concurrently suggests either high confidence in vendor co-ordination or a strategic priority to avoid a prolonged period on legacy infrastructure. What changed for members. The practical changes for members centre on two areas: payment flexibility and fraud controls. External account transfers, which allow members to move funds between Police FCU and accounts held at other financial institutions, are now available through the new platform. Integrated fraud protection has been added across digital channels, though the release did not specify the underlying detection mechanism or the provider behind it. On the operational side, Police FCU says the real-time connection between the Corelation KeyStone core and the Mahalo front end reduces the manual reconciliation processes that typically arise when a digital layer is loosely coupled to a core. Tim Doyle, president and chief executive of Police FCU, said the collaboration between Mahalo, internal staff and Corelation was central to keeping the project on schedule. "Conversions naturally come with a learning curve, but Mahalo made the process seamless for both our staff and our members," he said. Market context. The credit union technology stack is a consolidating market. A relatively small number of core providers, including Corelation, Fiserv, Jack Henry and FIS, underpin the majority of US credit unions, and digital banking layers are increasingly expected to offer certified, pre-built integrations to those cores rather than custom middleware. Mahalo's positioning as a deep-integration specialist in the credit union segment places it alongside competitors such as NCR Atleos, Q2 and Alkami, all of which compete for the same community and mid-tier credit union clients. The neurodiverse accessibility functionality that Mahalo highlights in its company description, described as the first fully integrated offering of its kind in online banking, is a differentiator that sits outside the usual competitive metrics of feature parity or pricing. Whether it translates into a durable commercial advantage depends on how quickly the broader sector follows, and on whether credit union procurement teams weight accessibility as a selection criterion. Regulatory pressure on credit unions to modernise payment infrastructure is building in the United States. The National Credit Union Administration has signalled ongoing interest in operational resilience and third-party vendor risk, both of which become more relevant when a credit union relies on a tightly coupled stack of core and digital providers from separate vendors. Police FCU's implementation adds a data point to the case that tight core-to-digital integration can be achieved without a single-vendor lock-in model. Denny Howell, chief operating officer of Mahalo, described the deployment as reflecting a shared commitment to innovation and said the company would continue to expand Police FCU's digital capabilities over time. The next milestones to watch are whether additional payment rails, such as real-time payments via the RTP network or FedNow, are added to the platform, and whether the credit union reports measurable reductions in call-centre volume as self-service adoption grows. AI level 1 of 5: written by Darlyn Ho; AI helped with tone, structure or wording; edited and signed off by Mark Walker, Editorial Director. What the levels mean