Log in to your PECO account at peco.com
Go to peco.com and look for the "Pay My Bill" or "Login" button, usually at the top right of the page. Click it and enter your account number (found on your paper bill) and your password. If you do not have a password yet, select "Register" or "Create Account" and follow the prompts to set one up.
Your account number is an 8 or 9-digit number printed on the front of your PECO bill, usually near your name and address. You will need this number whether you are logging in for the first time or returning to an existing account.
Once you are logged in, you will see your current balance, due date, and payment history. The page also shows your usage and any available programs you might use to lower your bill.
Key Takeaways
- Your PECO account number is printed on your bill and is required to log in or create a new account.
- You can pay your bill in full, set up a payment plan, or enroll in automatic payments through your online account.
- If you forget your password, use the "Forgot Password" link on the login page to reset it by email.
- PECO also offers budget billing and hardship programs through the same online account, so check what programs you may be able to use.
Pay your bill after logging in
After you log in, select "Pay Now" or "Make a Payment." You will be asked how much you want to pay — you can pay the full amount due, a partial amount, or set up a payment plan if you are behind. Enter your payment method: debit card, credit card, or bank account.
Payments made before 5 p.m. Eastern Time on a business day usually post the same day. Payments made after 5 p.m. or on weekends post the next business day. PECO does not charge a fee for paying online with a debit card or bank account, but credit card payments may carry a processing fee.
After you submit your payment, you will see a confirmation number on the screen. Write it down or take a screenshot. PECO will also send you a confirmation email within a few minutes.
Set up automatic payments so you do not miss a due date
In your online account, look for "Autopay," "Auto Pay," or "Automatic Payments" in the menu. Select the amount you want to pay each month (your full bill, a fixed amount, or a minimum payment) and choose the date you want the payment to come out of your bank account or card.
Automatic payments are free when you use a bank account. If you use a debit or credit card, PECO may charge a processing fee. You can change or cancel automatic payments at any time by logging back into your account.
Automatic payments reduce the risk of late fees and service disconnection because your payment goes through on the same day every month, even if you forget.
Reset your password if you are locked out
On the PECO login page, click "Forgot Password" or "Forgot Your Login?" Enter your account number and the email address on file with PECO. PECO will send you a link to reset your password within a few minutes.
Click the link in the email and create a new password. Your password should be at least 8 characters long and include a mix of letters, numbers, and symbols for security. Once you have set a new password, log in with your account number and the new password.
If you do not receive the reset email within 10 minutes, check your spam or junk folder. If you still cannot reset your password, call PECO customer service at 1-800-494-4000 and they can help you regain access to your account.
Enroll in budget billing or hardship programs through your account
PECO offers budget billing, which spreads your annual energy costs into equal monthly payments so your bill does not spike in winter or summer. To enroll, log into your account, find "Budget Billing" or "Levelized Billing," and follow the prompts. You must have at least 12 months of payment history with PECO to be may be able to access.
If you are struggling to pay your bill, PECO also offers hardship programs and payment plans. Log in and look for "Payment Assistance," "Hardship Program," or "Financial Hardship." You may also call 1-800-494-4000 to speak with a representative about what programs may be available to you based on your situation.
These programs are managed through your online account, so setting them up online is often faster than calling. However, if you have questions about which program fits your situation, a phone call can help you understand your options.
Troubleshoot common login and payment problems
If your payment is rejected, the most common reasons are an incorrect card number, an expired card, or insufficient funds in your bank account. Check that your card details match exactly what is on your card, including the expiration date and security code. If you are paying from a bank account, make sure you have enough money available.
If you see a message that your account is locked, wait 15 minutes and try logging in again. PECO locks accounts temporarily after several incorrect password attempts to protect your security. If the account remains locked after 15 minutes, use the "Forgot Password" link to reset it.
If you cannot find your account number, check your paper bill or your most recent email from PECO. Your account number is also printed on any past bills you have received. If you have lost all your bills, call PECO at 1-800-494-4000 and provide your name, address, and phone number — they can look up your account number for you.
Pay by phone or mail if you prefer not to use the website
You can pay your PECO bill by phone by calling 1-800-494-4000. A representative will take your payment information over the phone. Payments made this way are subject to the same processing times as online payments.
You can also mail a check or money order to the address printed on your bill. Write your account number on the check and mail it to the address listed under "Payment" on your bill. Mail payments typically take 7 to 10 business days to post, so mail your payment early if your due date is coming up soon.
Online and phone payments are faster than mail, so use them if you are close to your due date or if you want to avoid late fees.
Frequently Asked Questions
What if I do not have an email address to create a PECO account?
You can still pay your bill by phone at 1-800-494-4000 or by mail. However, an email address makes it much easier to reset your password and receive payment confirmations. If you have access to any email account — even one you rarely use — you can use it to set up your PECO account.
Can I pay my PECO bill with a credit card online without a fee?
PECO charges a processing fee for credit card payments made online. The fee varies but is typically 2 to 3 percent of your payment amount. Debit cards and bank account payments have no fee, so those are the cheapest ways to pay online.
How long does it take for my online payment to show up on my bill?
Payments made before 5 p.m. Eastern Time on a business day usually post the same day. Payments made after 5 p.m. or on weekends post the next business day. You will receive a confirmation email within a few minutes of submitting your payment, even if it has not posted to your account yet.
What happens if I set up automatic payments but then want to cancel them?
Log into your PECO account, find the "Autopay" or "Automatic Payments" section, and select "Cancel" or "Turn Off." The cancellation takes effect immediately for future payments. If a payment is scheduled to come out within the next few days, contact PECO at 1-800-494-4000 to stop it before it processes.
Can I change my password after I create one?
Yes. Log into your account, look for "Account Settings," "Security," or "Change Password," and follow the prompts to create a new password. Your new password takes effect immediately.