TECO Energy's online payment portal lets you pay your electric or gas bill from your computer or phone without calling or visiting a payment center.
You can pay through TECO Energy's website using a bank account or debit card. The process takes about five minutes, and you can set up a one-time payment or schedule recurring payments for the same day each month. Payments typically post within one business day.
TECO Energy serves customers in Florida under the Tampa Electric Company and TECO Gas brands. The payment methods and steps are the same whether you have an electric account, a gas account, or both.
Key Takeaways
- Log into your TECO Energy account at teco.net or use the TECO Energy mobile app to pay online without fees.
- You can pay with a bank account (ACH transfer) or debit card, and payments usually post within one business day.
- Set up automatic recurring payments on the same date each month to avoid late fees and missed due dates.
- If you do not have an online account yet, you will need your account number and billing address to register.
- TECO Energy does not charge a fee for online payments made through their website or app.
Creating or accessing your TECO Energy online account
Go to teco.net and select "Pay My Bill" or "Login" at the top of the page. If you already have an account, enter your username and password. If you do not have an account, select "Register" and follow the prompts to create one.
To register, you will need your TECO Energy account number (found on your bill), your billing address, and an email address. TECO Energy will send you a confirmation email with a link to activate your account. Once activated, you can log in and pay immediately.
If you cannot find your account number, check your most recent bill or call TECO Energy customer service at 1-888-891-8326 to confirm it before you register.
Paying a bill one time through the website
Log into your account and select "Pay My Bill." TECO Energy will show your current balance and due date. Enter the amount you want to pay (you can pay the full balance, a partial amount, or more than the balance if you want a credit).
Choose your payment method: bank account (ACH) or debit card. If you use a bank account, you will enter your routing number and account number. If you use a debit card, you will enter the card number, expiration date, and CVV. Both methods are free.
Review the payment details and confirm. TECO Energy will show you a confirmation number immediately. The payment will post to your account within one business day, though it may take longer if you pay after 5 p.m. on a Friday or before a holiday.
Setting up automatic monthly payments
Automatic payments remove the risk of forgetting a due date and incurring a late fee. Log into your account, select "Billing & Payments," then choose "Autopay" or "Automatic Payments." Select the date you want the payment to come out each month (most people choose the due date or a few days before).
Choose whether to pay your full bill balance or a fixed amount each month. Enter your bank account or debit card information. TECO Energy will process the first payment on the date you select and continue on that date each month until you cancel.
You can change or cancel automatic payments anytime by logging back into your account. If your bill amount varies significantly month to month, you may want to set a fixed amount slightly higher than your average bill to build a small credit, or you can adjust the amount manually before each payment posts.
Using the TECO Energy mobile app
Download the TECO Energy app from the Apple App Store or Google Play Store. Log in with the same username and password you use on the website. The app shows your current balance, usage history, and due date in one view.
To pay, tap "Pay My Bill," enter the amount, select your payment method, and confirm. The app works the same way as the website and charges no fees. You can also set up automatic payments through the app using the same steps as the website.
The app also sends you reminders before your due date if you turn on notifications. This is useful if you do not have automatic payments set up and want a prompt to pay manually.
What to do if your payment does not post or you encounter an error
If you receive a confirmation number but do not see the payment in your account within two business days, log back in and check your account balance. Sometimes the payment appears as "pending" before it posts. If it still does not show after two business days, contact TECO Energy customer service at 1-888-891-8326 with your confirmation number.
If you get an error message during payment, the most common causes are a typo in your bank account or card number, an expired debit card, or insufficient funds. Double-check your payment information and try again. If the error persists, try a different payment method or call customer service.
If you pay by mail or at a payment center and want to confirm it posted, you can log into your account online to see the updated balance. TECO Energy typically processes mailed payments within 5 to 7 business days.
Payment methods and fees
TECO Energy does not charge a fee for online payments made through their website or mobile app using a bank account (ACH transfer) or debit card. This is true whether you pay one time or set up automatic payments.
If you pay by phone, by mail, or at a TECO Energy payment center, there is no fee either. Some third-party payment processors that accept TECO Energy bills may charge a fee, but TECO Energy's own channels are always free.
Frequently Asked Questions
Can I pay my TECO bill without creating an online account?
Yes. You can pay by phone at 1-888-891-8326, by mail, or at a TECO Energy payment center. You can also pay through third-party bill payment services if your bank offers them. However, creating a free online account takes about five minutes and lets you pay anytime without calling.
What happens if I pay after my due date?
TECO Energy charges a late fee if your payment is not received by the due date shown on your bill. The fee amount varies but is typically a percentage of your bill. If you set up automatic payments before the due date, you will avoid late fees.
Can I schedule a payment for a future date?
Yes. When you make a one-time payment online, you can select a future date for the payment to post, as long as it is before your due date. This is useful if you want to pay on payday but your bill is due sooner. Automatic payments also let you choose the date each month.
What if I have both electric and gas accounts with TECO Energy?
You can link both accounts to one online login and pay them together or separately. When you log in, you will see both account numbers. You can pay one bill, both bills, or split the payment between them in any way you choose.
Is it safe to enter my bank account information online?
TECO Energy uses encryption to protect your banking information. Your account number and routing number are no less secure online than they are when you write a check or give them to a company over the phone. If you are uncomfortable entering your bank account, you can use a debit card instead.