EPB bill payment options and where to find them
EPB (Chattanooga-based Electric Power Board) offers several ways to pay your bill: online through their website, by phone, by mail, in person at payment centers, or through automatic bank transfers. The fastest and most convenient method for most people is online payment through EPB's website or mobile app, which processes immediately and costs nothing extra. If you prefer not to use the internet, you can call their customer service line or visit a local payment location.
Your bill arrives by mail or email depending on how you signed up for service. The due date appears clearly on the front of your statement. Paying by the due date keeps you in good standing and avoids late fees. If you miss the due date, EPB typically allows a grace period before disconnection, but the exact timeline depends on your account status and whether you have made prior late payments.
Key Takeaways
- Online payment through EPB's website or app is free, instant, and available 24/7 without calling customer service.
- Phone payment requires speaking to a representative during business hours and may include a small convenience fee depending on the payment method.
- In-person payment at an EPB office or authorized payment center avoids fees and gives you a receipt immediately.
- Setting up automatic payments from your bank account ensures you never miss a due date and requires only a one-time setup.
- Late payments trigger fees and can lead to service disconnection if unpaid for 30 days or more, depending on your account history.
Paying online through EPB's website or app
Go to EPB's official website and look for the "Pay My Bill" or "Online Payments" link, usually found in the top navigation or under "My Account." You will need your account number (found on your bill) and either your password or the ability to create one if this is your first time. The website accepts credit cards, debit cards, and bank account transfers.
If you use a credit or debit card, the payment posts immediately and you receive a confirmation number on screen. Bank account transfers (ACH payments) also process the same day but may take one to two business days to appear on your account. EPB does not charge a fee for online payments made through their website. If you prefer a mobile app, download the official EPB app from your phone's app store and log in with the same account credentials.
Paying by phone or through an automated system
Call EPB's customer service number listed on your bill to speak with a representative during business hours. Have your account number and payment method ready. Phone payments typically process the same day. Some utilities charge a convenience fee for phone payments (usually $2 to $5), so ask before you confirm the payment.
Many utilities also offer an automated phone payment system that lets you enter your payment information using your phone keypad without speaking to anyone. This option is often available 24/7. Check your bill or EPB's website to see if this service is offered and what the phone number is.
Paying in person at EPB offices or authorized locations
EPB operates payment centers in the Chattanooga area where you can pay in cash, check, or card without a fee. Your bill lists the nearest office location and hours. Paying in person is useful if you do not have a bank account, prefer to use cash, or want a physical receipt immediately. Bring your bill or account number so the staff can process the payment quickly.
Some grocery stores, check-cashing services, and other retail locations also accept EPB payments as an authorized payment agent. These locations may charge a small fee. Call EPB or check their website for a list of authorized payment locations near you.
Setting up automatic payments to avoid missed due dates
Automatic payments (also called autopay or recurring payments) withdraw money from your bank account on a date you choose, usually a few days before your bill is due. This method eliminates the risk of forgetting to pay and keeps your account in good standing. To set up autopay, log into your EPB account online, go to the payment settings or billing section, and follow the prompts to link your bank account.
You can change or cancel autopay at any time through your online account. If your bill amount varies month to month (as most electric bills do), you can set up autopay to pay the full amount due each month, or you can choose a fixed amount and pay any difference manually. Review your account settings regularly to make sure the payment date and amount still work for your budget.
What happens if you miss a payment or pay late
If your payment does not arrive by the due date, EPB adds a late fee to your next bill. The amount varies but is typically a percentage of your bill or a flat fee. After 30 days past due, EPB may disconnect your service without further notice, depending on your payment history and whether you have made arrangements with them.
If you cannot pay by the due date, contact EPB as soon as possible to discuss a payment plan or extension. Many utilities offer hardship programs or extended payment arrangements for customers facing temporary financial difficulty. The sooner you reach out, the more options you may have before disconnection occurs.
Frequently Asked Questions
Can I pay my EPB bill with a credit card online?
Yes, EPB's website and app both accept credit and debit cards for online payments. There is no fee for paying this way. The payment posts immediately and you receive a confirmation number.
Is there a fee for paying by phone?
EPB does not charge a fee for online payments, but phone payments may include a convenience fee of $2 to $5 depending on your payment method. Ask the representative before confirming the payment.
How long does it take for an online payment to show up on my account?
Credit and debit card payments post immediately. Bank account transfers (ACH) process the same day but may take one to two business days to appear in your account balance. Either way, your payment is recorded as received on the day you submit it.
What should I do if I cannot pay my bill on time?
Contact EPB's customer service as soon as possible to discuss a payment plan or extension. Many utilities offer hardship programs for temporary financial difficulty. The earlier you reach out, the more options you may have before late fees or disconnection occur.
Can I set up automatic payments and still pay extra some months?
Yes. You can set autopay to cover your regular bill and then make additional payments online or by phone whenever you want to pay extra. This helps you pay down your balance faster without losing the convenience of automatic payments.