How to pay your MLGW bill through their website
Memphis Light, Gas and Water (MLGW) lets you pay online at www.mlgw.com using their bill pay portal. You will need your account number, which appears on your paper bill or in any email from MLGW. The website accepts payment by bank account (ACH transfer) or debit card, and payments made before 5 p.m. Central Time on a business day post the same day.
To set up an online account if you do not have one, go to www.mlgw.com and select "Create Account" or "Sign Up". You will provide your account number, service address, and a password. Once logged in, you can view your current bill, payment history, and usage details. The online portal also shows your due date clearly, so you know exactly when payment is expected.
If you pay by debit card, MLGW charges a convenience fee (the amount varies and is shown before you confirm payment). ACH bank transfers have no fee. Many people choose ACH to avoid the extra charge, though it may take one business day to process.
Key Takeaways
- MLGW's online payment portal at www.mlgw.com accepts both bank transfers (ACH) and debit cards, with no fee for ACH payments.
- You need your account number to log in or pay as a guest, and same-day posting happens only for payments submitted before 5 p.m. Central Time on a business day.
- Debit card payments include a convenience fee that MLGW discloses before you confirm the transaction.
- You can also pay by mail, phone, or at an MLGW payment center, and each method has different timing for when your payment is recorded.
Paying by mail or check
If you prefer to mail a check, write it to Memphis Light, Gas and Water and include your account number on the check itself. Mail it to the address shown on your bill under "Payment Address" or "Make Checks Payable To". MLGW typically receives mailed payments within 5 to 7 business days, depending on postal service timing. Your payment is recorded on the date MLGW receives it, not the date you mail it, so plan ahead if your due date is near.
Always keep a copy of your check or a photo of the front and back for your records. If you are concerned about a payment arriving on time, the online portal or phone payment is more reliable because you get immediate confirmation.
Paying by phone or automatic payments
You can call MLGW's customer service at 901-528-4465 to pay your bill by phone using a debit or credit card. Like online debit card payments, phone payments include a convenience fee. Hours vary, so check www.mlgw.com for current availability.
MLGW also offers automatic payments (sometimes called autopay or recurring payments), which withdraw money from your bank account on a date you choose each month. This removes the risk of forgetting a due date. To set up automatic payments, log into your online account or call customer service. You can change or cancel automatic payments anytime through your account or by phone.
Payment centers and walk-in locations
MLGW operates payment centers in the Memphis area where you can pay in person with cash, check, or debit card. Locations and hours are listed on www.mlgw.com under "Payment Locations" or "Pay Your Bill". Walk-in payments are recorded immediately, so this method works well if your due date is the next day and you want same-day confirmation.
Some grocery stores and convenience stores in the MLGW service area also accept bill payments as an agent for MLGW. Check the website to see if a location near you participates. These third-party locations may charge a small fee in addition to any MLGW convenience fee.
What to do if you cannot pay on time
If you know you will miss your due date, contact MLGW before the bill is late. Call 901-528-4465 or use the online portal to see if you can arrange a payment extension or a payment plan. MLGW may be able to delay disconnection if you are working with them on a solution.
If your bill is already past due, MLGW may add a late fee and eventually issue a disconnection notice. The notice will state how many days you have to pay before service is cut off. Paying immediately after receiving a disconnection notice can sometimes prevent the cutoff, but do not wait—contact MLGW right away to discuss your options.
Understanding your bill and due date
Your MLGW bill shows the due date in a prominent location, usually near the total amount owed. The due date is typically 20 to 25 days after the bill is issued. If the due date falls on a weekend or holiday, MLGW usually extends it to the next business day, but confirm this on your bill or by calling customer service.
Your bill also breaks down charges for electricity, natural gas, and water separately, along with any taxes or fees. If you do not understand a charge, the online portal often provides a detailed breakdown, or you can call customer service to ask about a specific line item.
Frequently Asked Questions
What is the fastest way to pay my MLGW bill?
Online ACH bank transfer or in-person payment at an MLGW payment center both post immediately and have no fee (or a small fee at third-party locations). Online debit card and phone payments also post the same day but include a convenience fee. Mailed checks take 5 to 7 days to arrive.
Can I pay my MLGW bill without creating an online account?
Yes. You can pay as a guest on the website, by phone, by mail, or in person at a payment center. Guest payments require your account number and do not save your payment history, so you will need to enter your information each time.
What happens if I set up automatic payments and then move?
Contact MLGW before you move to close your current account and open a new one at your new address. If you have automatic payments set up, you will need to update them for your new account number. Call 901-528-4465 or use the online portal to make these changes.
Does MLGW accept credit card payments?
MLGW accepts debit cards online and by phone, but not credit cards. Credit card payments would carry a higher convenience fee, which is why most utilities do not accept them. ACH bank transfers remain the lowest-cost option.
How do I know if my payment went through?
Online and phone payments show a confirmation number immediately. Mailed checks should appear in your account within 5 to 7 days. Log into your online account anytime to check your payment history and current balance, or call customer service to confirm receipt of a mailed payment.