TECO's online payment portal lets you pay your bill from your computer or phone without calling or visiting a payment center
Tampa Electric Company (TECO) operates an online bill payment system called My Account that you can access through their website. You can pay a single bill, set up automatic payments, or make a one-time payment without creating an account. The system accepts bank transfers, debit cards, and credit cards, though credit card payments carry a processing fee.
You do not need to be enrolled in paperless billing to pay online. Whether you receive a paper bill in the mail or view it digitally, you can log in and pay through the same portal. Payment typically posts to your account within one business day.
Key Takeaways
- You can pay your TECO bill online at teco.net by logging into My Account or paying as a guest without creating an account.
- Bank transfers and debit card payments have no fee, but credit card payments charge a processing fee that TECO discloses before you confirm payment.
- Automatic payments can be set up through My Account and will deduct from your bank account on a date you choose each month.
- If you pay after your due date, TECO may charge a late fee, so set a reminder or use automatic payment to avoid missing the deadline.
How to log into My Account and pay online
Go to teco.net and select "My Account" from the top menu. If you already have a login, enter your username and password. If you do not have an account, you can create one by selecting "Register" and providing your account number, service address, and email address. TECO will send you a confirmation email with instructions to complete setup.
Once logged in, select "Pay My Bill" or "Make a Payment." The system will show your current balance and due date. Enter the amount you want to pay (you can pay the full balance or a partial amount) and choose your payment method. Review the total, including any fees, and confirm the payment.
If you do not want to create an account, you can pay as a guest. Select "Pay as Guest" instead of logging in, enter your account number and service address, and follow the same steps. Guest payments do not save your information for future use.
Payment methods and fees
TECO accepts three payment methods through My Account: bank account transfer (ACH), debit card, and credit card. Bank transfers and debit card payments have no fee. Credit card payments charge a processing fee that varies depending on the card type and the payment processor TECO uses. The system will show you the exact fee before you confirm the payment, so you can decide whether to proceed.
If the fee matters to your decision, use a bank transfer or debit card instead. Both process at no cost and post within one business day. You can also mail a check to the address on your bill, though mailed payments take longer to reach TECO and may post after your due date if sent close to the deadline.
Setting up automatic payments
Automatic payments remove the risk of forgetting to pay and incurring a late fee. Log into My Account, select "Billing & Payments," then "Autopay" or "Automatic Payments." Choose the date each month when you want the payment to deduct from your bank account (for example, the 15th of each month). You can set it to pay your full balance or a fixed amount.
TECO will send you a confirmation email once autopay is active. You can change the payment date, amount, or payment method at any time by logging back into My Account. If you want to stop automatic payments, go to the same section and select "Cancel Autopay." The cancellation takes effect immediately, so your next scheduled payment will not process.
What happens if you pay late
Your due date appears on your bill and in My Account. If you do not pay by that date, TECO charges a late fee. The amount of the fee depends on your bill amount and is shown on your next bill. Late payments also may affect your credit report if they remain unpaid for 30 days or more.
If you know you will miss the due date, contact TECO before the deadline to discuss payment arrangements. You can call their customer service line (the number is on your bill) or use the chat feature in My Account. TECO may be able to extend your due date or set up a payment plan if you explain your situation.
Troubleshooting common payment problems
If your payment is rejected, the most common reasons are an incorrect bank account number, expired debit or credit card, or insufficient funds in your account. My Account will show an error message explaining why the payment failed. Correct the information and try again, or switch to a different payment method.
If you paid online but your bill still shows as unpaid after two business days, log into My Account and check the payment status. Payments usually show as "Pending" for one day, then "Posted" once they clear. If it still shows as pending after two days, contact TECO customer service with your confirmation number (the system provides this after you complete payment).
If you cannot log into My Account, select "Forgot Username or Password" on the login page and follow the reset instructions. TECO will send a link to your email address. If you do not receive the email within a few minutes, check your spam folder or contact customer service to verify your account information.
Other ways to pay if you cannot pay online
If you prefer not to pay online, TECO accepts payments by phone, mail, and in person. Call the customer service number on your bill to pay by phone using a bank account, debit card, or credit card. Mail a check or money order to the address shown on your bill. Visit a TECO payment center or authorized payment location in the Tampa area to pay in person with cash, check, or card.
Phone and in-person payments may charge fees depending on the method. Mailed payments take 7 to 10 business days to reach TECO, so send them well before your due date to avoid a late fee. Payment centers have specific hours, which you can find on teco.net under "Payment Locations."
Frequently Asked Questions
Can I pay my TECO bill with a credit card online without a fee?
No. Credit card payments through My Account charge a processing fee. Bank transfers and debit card payments have no fee. If you want to avoid the fee, use one of those methods instead, or pay by mail or phone.
How long does it take for my online payment to show up on my bill?
Online payments typically post within one business day. You will see the payment status change from "Pending" to "Posted" in My Account. If it takes longer than two business days, contact TECO customer service with your confirmation number.
What if I set up autopay but need to skip a month?
Log into My Account, go to the Autopay section, and temporarily pause or cancel the payment. You can restart autopay the following month or set a new date. You can also contact customer service to pause autopay for one billing cycle.
Can I pay someone else's TECO bill online?
You can pay online only if you have the account number and service address. The account holder can authorize you to access My Account by adding you as an authorized user, or you can pay as a guest using the account number. TECO does not allow third-party payments without the account holder's permission.
What should I do if my online payment was rejected but I was still charged a fee?
Contact TECO customer service immediately with your confirmation number and the date of the failed payment. Explain that the payment was rejected but a fee was charged. Customer service can review the transaction and reverse the fee if it was applied in error.