Where to pay your Atlantic City Electric bill

Atlantic City Electric (part of Exelon) gives you four main ways to pay: online through their website, by phone, by mail, or in person at a payment location. The fastest and most convenient is online at their customer portal — you can pay any time without waiting for business hours, and the payment posts within one business day.

To pay online, log into your account at atlanticcityelectric.com using your account number (found on your bill) and password. If you don't have an online account yet, you can create one there in a few minutes. Once logged in, select "Pay My Bill" and choose your payment method: debit card, credit card, or bank account transfer.

If you prefer to speak with someone, call Atlantic City Electric's customer service at the number on your bill. They can process a payment over the phone using a debit or credit card. Phone payments are available during business hours, typically Monday through Friday 8 a.m. to 5 p.m. Eastern time.

Key Takeaways

  • Online payment through atlanticcityelectric.com is the fastest option and posts within one business day.
  • You can set up automatic recurring payments so your bill is paid on the same day each month without you having to remember.
  • Mailed checks should be sent at least 10 days before your due date to avoid late fees.
  • Atlantic City Electric does not charge a fee for online or phone payments made with a bank account, but credit and debit card payments may carry a processing fee.

Setting up automatic payments

Automatic payments remove the risk of missing a due date. Log into your account online, go to "Billing & Payments," and select "Autopay." You'll choose the payment method (bank account or card), the amount (your full bill or a fixed amount), and the date each month when the payment should process.

Bank account payments have no fee. Credit and debit card payments through autopay typically carry a fee — usually 2 to 3 percent of the payment amount, though the exact rate depends on your card type. Before you set up autopay with a card, check the fee disclosure on the payment screen so you know what you'll be charged.

You can change or cancel autopay at any time through your online account. If you need to pause it for a month, you can do that without canceling the whole setup.

Mailing a check or money order

If you prefer to mail your payment, write your account number on the check or money order and send it to the address printed on your bill. Atlantic City Electric's mailing address changes based on which region you're in, so always use the address on your current bill rather than looking it up online.

Mail your payment at least 10 days before the due date to make sure it arrives on time. Payments received after the due date will be marked late, and Atlantic City Electric will charge a late fee (typically around 1.5 percent of the unpaid balance). If your check arrives after the due date, the late fee applies even if the delay was the mail's fault, so building in extra time is important.

Keep a copy of your check or the money order receipt for your records. If there's ever a dispute about whether the payment was received, you'll have proof of when you sent it.

In-person payment locations

Atlantic City Electric accepts in-person payments at authorized payment centers in New Jersey. These locations vary by region, and not every town has one. To find a payment location near you, log into your account online or call customer service — they can tell you the closest office and its hours.

In-person payments are processed immediately, so your account is credited the same day. Bring your bill or account number and your payment method (cash, check, debit card, or credit card). Some locations may charge a fee for credit card payments, so ask before you pay.

Understanding payment deadlines and late fees

Your due date is printed on your bill, usually 20 to 25 days after the bill date. If you pay after that date, Atlantic City Electric charges a late fee. The fee is typically calculated as a percentage of your unpaid balance — check your bill or account for the exact rate, as it can vary.

If you're unable to pay by the due date, contact Atlantic City Electric before the deadline. They may be able to work out a payment plan or extend your due date. Calling ahead is much better than paying late, because it keeps the late fee off your account and shows good faith if you're working through a temporary hardship.

If your account falls significantly behind, Atlantic City Electric may disconnect your service. The company is required to give you notice before disconnection, so if you receive a disconnection warning, treat it as urgent and contact them immediately to discuss your options.

Avoiding common payment mistakes

The most common mistake is mailing a check too close to the due date. Mail can take 5 to 10 days, and Atlantic City Electric marks payments late based on when they receive them, not when you send them. If you mail a check 3 days before the due date, it will almost certainly arrive late.

Another mistake is paying the wrong amount. Your bill shows the total amount due — make sure you're paying that number, not just the minimum or a partial amount. If you pay less than the full bill, the unpaid portion carries over to next month and may trigger a late fee.

A third mistake is losing track of autopay. If you set up automatic payments and then forget about them, you might overdraft your bank account if your balance is low. Check your autopay settings every few months to make sure the payment date and amount still work for your budget.

What to do if you have trouble paying

If you're struggling to pay your bill, Atlantic City Electric offers a budget billing program and payment plans. Budget billing spreads your annual costs evenly across 12 months so your bill is the same amount each month — this helps if your bill spikes in summer or winter. Payment plans let you pay your current bill plus a portion of any past-due balance over several months.

To explore these options, call Atlantic City Electric's customer service or log into your account online. You may also be able to find information about utility assistance programs through your state or local government — New Jersey has programs that help households with low income cover energy costs.

If you're facing disconnection, contact the company immediately. They are required to work with you on a payment arrangement before they can shut off your service, and waiting until the last minute gives you fewer options.

Frequently Asked Questions

Is there a fee to pay my Atlantic City Electric bill online?

No fee if you pay from a bank account. Credit and debit card payments usually carry a fee of 2 to 3 percent of the payment amount. The fee appears on the payment screen before you confirm, so you'll see it before you're charged.

How long does it take for an online payment to show up on my account?

Online payments typically post within one business day. If you pay on a Friday evening, it may not show until Monday. If your due date is the next day, pay earlier in the week to be safe.

Can I change my due date?

Atlantic City Electric doesn't allow you to change your due date directly, but you can adjust when you pay relative to it. If you set up autopay, you choose the payment date each month, so you can align it with when you get paid.

What happens if I pay after the due date?

A late fee is added to your account, typically around 1.5 percent of the unpaid balance. If you continue to pay late, Atlantic City Electric may eventually disconnect your service. Contact them before the due date if you know you'll be late — they may be able to adjust your timeline.

Can I pay someone else's Atlantic City Electric bill?

Yes. You can pay online or by phone using the account number on their bill. You don't need to be the account holder to make a payment, though the payment will be applied to that specific account number.