Union Power bill payment options and where to send payments
Union Power is a rural electric cooperative serving parts of New Mexico and Colorado. You can pay your bill online through their website, by phone, by automatic bank draft, or by mailing a check. The fastest way is online or by phone — both process immediately. If you mail a payment, allow 7 to 10 business days for it to reach their office and post to your account.
Union Power's mailing address for payments is listed on your bill statement. Before you send a check, verify the address on the back of your bill or call their customer service line to confirm the current payment address, since processing centers can change.
If you are behind on your bill or facing disconnection, contact Union Power directly before the due date. Rural cooperatives often have different hardship programs than larger utilities, and calling ahead gives you the best chance to work out a payment plan.
Key Takeaways
- Union Power accepts online payments through their website, which process the same day you submit them.
- Phone payments and automatic bank draft (autopay) are available and prevent missed payments if you set them up in advance.
- Mailed checks take 7 to 10 business days to post, so mail early if your due date is approaching.
- If you cannot pay in full, call Union Power before your due date to ask about payment plans or hardship options specific to rural cooperatives.
Paying online through Union Power's website
Go to Union Power's official website and look for a "Pay My Bill" or "Make a Payment" link, usually in the top navigation or under an account section. You will need your account number, which appears on your bill statement. Have a debit card, credit card, or bank account information ready.
Online payments typically process the same day if submitted before a set cutoff time (often early afternoon). Union Power may charge a small fee for credit card payments but not for debit card or bank account payments. Check the payment screen before you confirm — it will show any fee that applies.
Keep your confirmation number. Take a screenshot or write it down so you have proof the payment went through. If your payment does not appear on your account within one business day, contact Union Power with your confirmation number.
Paying by phone or setting up autopay
Call Union Power's customer service number (listed on your bill) to pay over the phone. Have your account number and payment method ready. Phone payments process the same day and a representative can answer questions about your bill while you pay.
Autopay (automatic bank draft) is the most reliable way to avoid late payments. You authorize Union Power to withdraw the amount due from your bank account on a set date each month. Set it up through their website or by calling customer service. Most cooperatives do not charge a fee for autopay, but confirm before you enroll.
With autopay, you can usually choose a fixed amount or have the full bill amount withdrawn automatically. If your bill varies month to month, ask whether you can set a minimum payment and review the draft amount before it processes.
Mailing a check to Union Power
Write your account number on the check memo line. Include your bill statement or a copy of the front page so Union Power can match the payment to your account. Mail the check to the address printed on your bill — do not use an address from an older bill or from online, as payment processing centers change.
Mail your payment at least 10 business days before the due date to account for postal delays. If you are mailing close to the due date, consider paying online or by phone instead. Union Power will not consider a payment late if it was postmarked before the due date, but it may take several days after arrival to post to your account.
If you do not receive a bill in the mail, you can still pay by phone or online using your account number. Call Union Power to confirm your account number if you are unsure.
What to do if you cannot pay your full bill
Contact Union Power before your due date — do not wait until after disconnection notice arrives. Explain your situation and ask about payment plans. Rural electric cooperatives often work with members who are facing hardship, and many have programs that larger utilities do not offer.
Some cooperatives allow you to split a bill into two or three payments across a month. Others may defer a portion of the bill to the following month. The key is calling early: once your account is referred to collections or a disconnection order is issued, your options narrow.
Ask Union Power whether they have a low-income assistance program or whether they can connect you with local community action agencies that help with utility bills. Many rural areas have nonprofit organizations that work specifically with cooperatives.
Understanding Union Power bill due dates and late fees
Your due date appears on your bill statement. Union Power typically allows 20 to 25 days from the bill date before charging a late fee. The late fee amount is shown in your billing terms or on the bill itself.
If you pay after the due date, the late fee is added to your next bill. If you are only a few days late, call Union Power to ask whether they will waive the fee as a one-time courtesy — many cooperatives will if you have a good payment history.
Disconnection for non-payment usually does not happen until you are 30 to 60 days past due, but Union Power must send you written notice before they cut off service. If you receive a disconnection notice, you have a short window (usually 5 to 10 days) to pay or contact them about a plan.
Frequently Asked Questions
Does Union Power charge a fee to pay online?
Union Power does not charge a fee for debit card or bank account payments made online. Credit card payments may have a small fee — the payment screen will show it before you confirm. Phone payments and autopay typically have no fee.
How do I find my account number if I lost my bill?
Call Union Power customer service with your name, address, and phone number. They will provide your account number. You can then pay online or by phone without needing the physical bill.
What happens if I pay late but before disconnection?
A late fee will be added to your account, but you will not be disconnected if you pay before Union Power issues a disconnection order. Late fees vary — check your bill or call to ask the amount. Paying as soon as possible after the due date limits the damage to your account.
Can I set up autopay for a partial payment instead of the full bill?
Some cooperatives allow partial autopay, but you would need to contact Union Power directly to set that up. Most autopay systems are designed for the full bill amount. Ask whether they can draft a fixed amount or a percentage of your bill each month.
What should I do if my online payment did not go through?
Check your bank account to see if the money was withdrawn. If it was, contact Union Power with your confirmation number — the payment may still post within one business day. If the money was not withdrawn and you received an error message, try again or call customer service to pay by phone instead.