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Banking System Upgrade - Downtime Expected Weekend of June 22 -- We are planning a major system upgrade that will deliver enhancements to improve your overall banking experience but may interrupt your banking routines after 10 p.m. ET on Friday, June 21, through June 23. Debit cards will be available for purchases and withdrawals up to a temporary daily limit, which may impact larger transactions. Online and mobile banking will be unavailable. Offices that are usually open on Saturdays will be closed Saturday, June 22, and ATMs will only dispense cash up to a temporary daily limit. If there are any urgent transactions or inquiries you may need during this time, please let your banker know so we can make proactive arrangements to minimize the impact.
Capital City Bank 420 North Broad St. Cairo, GA 39828
Get Directions
  • 24-hour ATM (accepts deposits)
  • Commercial Real Estate Loans
  • Instant Issue Debit Cards Available
  • Safe Deposit Available
  • Send Money with Zelle®
Monday 9:00am - 4:00pm
Tuesday 9:00am - 4:00pm
Wednesday 9:00am - 4:00pm
Thursday 9:00am - 4:00pm
Friday 9:00am - 5:00pm
Saturday Closed
Sunday Closed
Drive-In Hours
Monday-Thursday 8:30am - 4:00pm
Friday 8:30am - 6:00pm
Saturday 9:00am - 12:00pm
Sunday Closed

Virtual tellers can assist with:

  • Checking your balance
  • Making a deposit
  • Getting cash
  • Reporting fraud/lost or stolen debit card
  • Moving money
  • Paying bills
  • Ordering a debit card
  • Making loan payments

Our Bankers

  • Headshot for Sandy Reagan
    Sandy Reagan
    President, Grady County
    • Business Deposits
    • Business Lending
    • Consumer Checking
    • Consumer Loans
    Learn more

Make an Appointment with a Banker

If your banking business requires an in-person appointment, such as signing documents like an error resolution, accessing a safe deposit box or attending a loan closing, please make arrangements directly with your banker.

Call Your Office Today

Other Locations Nearby

  • Capital City Bank - ATM -
    Capital City Bank - ATM -
    6.8 mi
    126 E Broad St
    Whigham, GA 39897
    Get Directions
    24-hour ATM (accepts deposits), Send Money with Zelle®, Virtual Teller Machine
  • Capital City Strategic Wealth -
    Capital City Strategic Wealth -
    17.3 mi
    127 West Railroad Street South
    Pelham, GA 31779
    Get Directions
    NOT a Full-Service Banking Location
  • Havana -
    Havana -
    21.6 mi
    102 South Main St.
    Havana, FL 32333
    Get Directions
    24-hour ATM (accepts deposits), Instant Issue Debit Cards Available, Safe Deposit Available, Send Money with Zelle®

Frequently Asked Questions

Please visit our Capital City Bank Careers website for all current openings and apply online.
Capital City Bank Commercial Real Estate Lenders can assist with your short-term or long-term capital needs. Contact a Commercial Real Estate banker at 888.671.0400 or visit our Cairo office located at 420 North Broad St. to start the process.
Let’s find the program that fits your financing needs. Start with our loan finder.
Your new Capital City Visa debit card will be packaged with activation instructions.
Call us 24 hours a day, seven days a week at 888.671.0400 to be connected to our fraud protection services department.
Visit one of the offices listed below during business hours to obtain an instant-issue debit card. These work just like the debit cards you receive in the mail but offer a handy alternative for clients needing to replace a lost or stolen card on the spot. Leave the office with an active, permanent debit card in hand rather than waiting on the mail. 
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