EPB's online payment system lets you pay your electric bill from your computer or phone without calling or visiting an office

EPB (Electric Power Board of Chattanooga) offers online bill payment through their website and mobile app. 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.

The fastest route is logging into your EPB account at epb.net. If you do not have an online account yet, you can create one using your account number (found on your bill) and service address. Once logged in, you see your current balance and payment history, and you can pay immediately or schedule a payment for a future date.

Key Takeaways

  • You can pay your EPB bill online at epb.net or through the EPB mobile app without creating an account if you pay once.
  • Bank transfers and debit card payments have no fee; credit card payments charge a processing fee that varies by amount.
  • Setting up automatic payments requires an online account and takes a few minutes to activate.
  • Scheduled payments process on the date you choose, so plan ahead if you are paying close to your due date.
  • Your payment confirmation number appears immediately after you submit, and you can view payment history in your online account.

Paying without an online account

If you want to pay once without setting up an account, go to epb.net and look for the "Pay My Bill" or "Make a Payment" button on the homepage. You will enter your account number, service address, and the amount you want to pay. Then you choose your payment method and complete the transaction. This route takes about five minutes and does not require you to remember a password.

One-time payments without an account do not show up in a payment history you can view later, so write down or screenshot your confirmation number. That number is your proof of payment if there is ever a question about whether the payment went through.

Creating an online account and paying regularly

An online account lets you see your bill as soon as it is issued, view your payment history, and set up automatic payments. To create one, go to epb.net and select "Create Account" or "Register." You will need your account number, service address, and a valid email address. EPB will send you a temporary password; change it to something you remember.

Once you are logged in, your dashboard shows your current balance, due date, and past bills. You can pay any bill by clicking the payment option, choosing your payment method, and entering the amount. If you want to pay the full balance or a specific amount, you can do that in one step. Payments usually post within one business day.

Setting up automatic payments

Automatic payments deduct money from your bank account on a date you choose each month. This means you never miss a due date and do not have to log in to pay. To set this up, log into your account, go to the "Payments" or "Billing" section, and select "Autopay" or "Automatic Payment." You will enter your bank account number and routing number (found on the bottom left of a check).

You can choose to pay the full bill amount or a fixed amount each month. If you choose a fixed amount, make sure it covers at least your minimum balance so you do not fall behind. You can change or cancel automatic payments anytime by logging back in, so there is no long-term commitment.

Payment methods and fees

EPB accepts three main payment methods online. Bank transfers (also called ACH or e-check) and debit card payments have no fee. Credit card payments charge a processing fee that depends on the amount you are paying — the fee is usually shown before you confirm the payment, so you know the total cost upfront.

If you are paying a large bill, the credit card fee might be $10 to $20 or more, so a bank transfer or debit card is cheaper. If you are paying a small amount and want to earn credit card rewards, the fee might be worth it to you. The choice is yours, and EPB shows you the fee before you submit.

Timing and when payments post

Payments made before 5 p.m. Central Time usually post the same business day. Payments made after 5 p.m. or on weekends post the next business day. If you schedule a payment for a future date, it processes on that date, not before.

Your due date is printed on your bill. If you pay after the due date, EPB may charge a late fee. If you are cutting it close, pay a few days early to make sure the payment reaches EPB in time. If your due date falls on a weekend or holiday, EPB typically extends the deadline to the next business day.

Troubleshooting common payment problems

If your payment does not go through, the most common reason is a typo in your account number or service address. Double-check both before resubmitting. If you see an error message about your bank account, your bank may have declined the transfer — contact your bank to ask why.

If you paid but your bill still shows as due, wait one business day for the payment to post. If it has been more than two business days and the payment is not showing, log into your account and check your payment history. If the payment is not listed there, contact EPB at 423-648-1372 or through the "Contact Us" page on epb.net with your confirmation number.

Frequently Asked Questions

Can I pay my EPB bill by phone?

Yes. Call EPB at 423-648-1372 to pay over the phone with a debit card or credit card. A representative will take your payment information and process it immediately. Phone payments also charge a credit card fee if you use a credit card.

What if I want to dispute a charge on my bill?

Contact EPB before you pay if you think there is an error. Call 423-648-1372 or log into your account and use the "Contact Us" form. EPB will investigate and let you know if an adjustment is needed. Do not skip paying your bill while disputing — late fees can add up quickly.

Can I set up automatic payments and still pay extra some months?

Yes. Automatic payments deduct a fixed amount each month, and you can log in anytime to make an extra payment on top of that. This is useful if your bill varies and you want to pay more during months when you use more energy.

Is my bank information safe when I pay online?

EPB uses encryption to protect your payment information. Your bank account and card details are not stored on EPB's website in a way that is visible to you after the payment is complete. If you are uncomfortable entering your bank account number online, you can pay with a debit card instead, which is equally secure.

What happens if I pay too much?

If you overpay, EPB will credit the extra amount to your next bill. You can also request a refund by contacting EPB at 423-648-1372. Refunds typically take one to two weeks to appear in your bank account.