Where and how to pay Atlantic City Electric
Atlantic City Electric (now part of Exelon) gives you several ways to pay your bill. The fastest and most direct route is their online payment portal at their website, where you can pay immediately with a bank account or debit card. You can also pay by phone by calling their customer service line — the number is on your bill — and speaking to a representative who will take your payment over the phone.
If you prefer to pay in person, you can visit an Atlantic City Electric office during business hours, though locations and hours vary by region. Some customers also set up automatic payments from their bank account, which means the bill gets paid on a schedule you choose without you having to remember each month. Mail payment is still an option: write a check, include your account number on it, and send it to the address listed on your bill — but mail takes longer to reach them, so plan ahead if your due date is soon.
Before you pay, check your bill for the exact amount due and the due date. Paying after the due date can result in a late fee, which Atlantic City Electric will add to your next bill. If you are having trouble paying the full amount by the due date, contact them before the deadline to discuss your options — waiting until after the due date makes it harder to work out a solution.
Key Takeaways
- Online payment through Atlantic City Electric's website is the fastest option and lets you pay immediately without waiting for mail delivery.
- Phone payment, in-person payment at an office, and automatic bank payments are all available if online does not work for you.
- Your account number appears on your bill and you will need it to pay by phone or mail.
- Late fees are added if you pay after the due date, so contact the company before the deadline if you cannot pay in full.
- Setting up automatic payments removes the risk of forgetting a due date and can simplify your monthly routine.
Setting up automatic payments from your bank account
Automatic payment is worth considering if you want to remove the monthly task of remembering to pay. You can set this up through Atlantic City Electric's website by logging into your account, finding the payment or billing section, and selecting the automatic payment option. You will need to provide your bank account number and routing number, which you can find on a blank check or by logging into your bank's website.
Once automatic payments are set up, the company will withdraw the amount due on or around your due date each month. You can change the payment date, pause the payments, or cancel them at any time through your online account. Even with automatic payments turned on, you should still review your bill each month to make sure the amount charged matches what you expect — errors do happen, and catching them early makes them easier to fix.
What to do if you cannot pay by the due date
If you know you will not be able to pay by the due date, call Atlantic City Electric before that date arrives. Speaking to them in advance gives you a better chance of working out a payment plan or extension rather than facing a late fee. Many utility companies, including Atlantic City Electric, have programs for customers who are struggling with bills, and the company representative can tell you what options exist for your situation.
Do not ignore a bill you cannot pay. Late fees add up quickly, and if your account falls far enough behind, the company can shut off your service. If you are facing a hardship — job loss, medical emergency, or other sudden expense — mention that when you call, because some utilities have hardship programs that may reduce your bill or give you more time to pay.
Understanding your bill before you pay
Your Atlantic City Electric bill shows several pieces of information you should check before paying. At the top, you will see your account number, which identifies your specific service location. The bill lists the amount due, the due date, and any late fees from previous months if they apply. Below that, you will see a breakdown of your charges: the cost of the electricity you used, any taxes, and any fees.
The usage section shows how much electricity you consumed during the billing period, usually measured in kilowatt-hours (kWh). This is the main driver of your bill — the more you use, the more you pay. Some bills also show your usage compared to the same month last year, which helps you spot whether your consumption is rising or falling. If your bill seems unusually high, check whether you used more electricity than normal, or whether a rate change took effect during that billing period.
Payment methods and timing
The method you choose affects how quickly your payment reaches Atlantic City Electric. Online and phone payments are processed the same day or the next business day, so they are safe choices if your due date is close. In-person payments at an office are also processed quickly. Automatic bank payments are scheduled in advance, so you know exactly when they will go through.
Mail payments take the longest — typically five to ten business days from the time you drop them in the mailbox. If you are paying by mail and your due date is within two weeks, the payment may not arrive in time, and you could be charged a late fee even though you sent the check on time. For this reason, mail is best used only when you have at least two weeks before the due date, or when you are paying a bill that is not yet due.
| Payment Method | Processing Time | Best For |
|---|---|---|
| Online portal | Same day or next business day | Any due date; fastest option |
| Phone payment | Same day or next business day | When you prefer speaking to someone |
| In-person at office | Same day | When you want immediate confirmation |
| Automatic bank payment | Scheduled in advance | Regular, predictable bills |
| 5–10 business days | Only when due date is 2+ weeks away |
Avoiding common payment mistakes
One of the most common mistakes is paying the wrong amount. Always double-check that you are paying the "amount due" listed on your bill, not the "total account balance," which may include charges from previous months that have already been paid. If you are unsure which number to use, call the company and ask — a few minutes on the phone is worth avoiding an overpayment or underpayment.
Another mistake is forgetting to include your account number when paying by mail or phone. Without it, the payment may be delayed or applied to the wrong account. Your account number is printed on your bill in multiple places, so write it down or have it ready before you make a payment. If you pay online or set up automatic payments, the system links to your account automatically, so this is not a concern.
A third mistake is assuming a payment has gone through without confirming it. After you pay online or by phone, save your confirmation number or receipt. Check your account a few days later to confirm the payment was received and applied. If you do not see it posted, contact Atlantic City Electric right away — a missing payment can quickly lead to a late fee or service interruption.
Frequently Asked Questions
Can I pay my Atlantic City Electric bill with a credit card?
Most utility companies, including Atlantic City Electric, do not accept credit card payments directly because of the fees involved. You can pay with a debit card online or by phone. If you want to use a credit card, you could pay your bank account with the credit card and then pay the utility with your bank account, but this adds an extra step and may incur fees from your bank.
What happens if I pay late?
Atlantic City Electric will add a late fee to your account, usually a percentage of the amount due. The exact fee is listed in your service agreement or on the company's website. If you continue to pay late or fall behind on multiple bills, the company can disconnect your service. Calling before the due date is much easier than dealing with a disconnection.
Is there a discount if I pay the full bill upfront?
Atlantic City Electric does not offer discounts for early or full payment. However, paying on time avoids late fees, which is a form of savings. Some utilities offer budget billing, which spreads your annual costs evenly across twelve months — ask whether this is available for your account.
Can I split my payment across two different dates?
Atlantic City Electric does not have a built-in split-payment feature. If you need to pay in installments, contact the company before the due date to ask about a payment plan. They may be able to set up a schedule where you pay part of the bill on one date and the rest on another, but this must be arranged in advance.
What if I overpaid my bill?
If you pay more than the amount due, the extra money becomes a credit on your account and will be applied to your next bill. You can also request a refund, though the company may require the credit to stay on your account for a certain period. Contact Atlantic City Electric to ask about their refund policy if you have a large overpayment.