How to Pay Your ComEd Electric Bill

ComEd bill payment methods and where to send your money

ComEd is the electric utility that serves northern Illinois, including Chicago and its suburbs. When you receive a ComEd bill, you have several ways to pay: online through your ComEd account, by phone, by mail, or in person at a payment location. Each method has different timing — some are when ready, others take several business days to reach ComEd's system.

The fastest way to pay is through ComEd's website or mobile app, where the payment posts to your account when ready. If you mail a check, ComEd typically receives it within five to seven business days, depending on postal service. Paying by phone or at a physical location also processes quickly, usually within one business day.

Your bill shows a due date, which is normally 21 days after the bill date. If you pay after the due date, ComEd may charge a late fee. If you do not pay within 60 days of the bill date, ComEd can shut off your service without further notice.

Key Takeaways

• ComEd's online portal and mobile app let you pay when ready from your bank account or debit card, and you can set up automatic payments to avoid late fees.
• Mailed checks take five to seven business days to arrive, so send them at least a week before your due date to avoid a late payment.
• You can pay by phone at 1-877-426-6331 or in person at a ComEd payment center, though these methods are slower than online payment.
• Late fees explore if you pay after the due date shown on your bill, and service disconnection can happen 60 days after your bill date if you do not pay.
• If you cannot pay your full bill, contact ComEd about a payment plan or hardship programs before your account falls behind.

Paying online or through the ComEd mobile app

The ComEd website and mobile app are the fastest ways to pay your bill. Go to ComEd.com, sign in with your account number and password, and select "Pay My Bill." You can pay from a checking or savings account (no fee) or from a debit or credit card (a small fee applies). The payment posts when ready, and you receive a confirmation number right away.

To set up automatic payments, log into your ComEd account and choose "Autopay" or "Budget Billing." You can have ComEd withdraw a fixed amount each month on a date you choose, or it can deduct your actual bill amount automatically. This prevents missed due dates and late fees. You can cancel automatic payments at any time through your account settings.

If you do not have an online account yet, you can create one at ComEd.com using your account number (found on your bill) and your service address. You will need to verify your identity by answering security questions or receiving a code by email.

Paying by mail or check

If you prefer to mail a check, write your account number on the check and send it to the address printed on your bill. ComEd's mailing address varies by region, so always use the envelope or address shown on your statement. Mail typically takes five to seven business days to arrive, so send your payment at least one week before the due date.

Include only the check — do not send cash or other documents. If you are paying a past-due balance, write the amount on the check memo line so ComEd applies it correctly. Keep a copy of your check or take a photo for your records.

Paying by phone or at a payment center

You can pay by phone by calling ComEd's automated payment line at 1-877-426-6331. Have your account number and a debit or credit card ready. The system accepts payments 24 hours a day, seven days a week, and the payment usually posts within one business day. A small fee applies for credit card payments; debit card payments are free.

ComEd also operates payment centers in some locations where you can pay in person with cash, check, or debit card. To find a payment center near you, visit ComEd.com or call 1-877-426-6331 and ask for locations. Payment centers are not available in all areas, and hours vary by location.

Understanding late fees and disconnection

ComEd charges a late fee if your payment arrives after the due date shown on your bill. The late fee is a percentage of your bill amount and is added to your next bill. If you pay late once, it does not affect your service when ready, but repeated late payments can lead to disconnection.

If your bill remains unpaid 60 days after the bill date, ComEd can shut off your electric service without sending a separate disconnection notice. Once service is cut, you must pay your full past-due balance plus a reconnection fee to restore power. Reconnection can take one to three business days depending on the reason for the shutoff.

If you are struggling to pay your bill, contact ComEd before you fall behind. ComEd offers payment plans for customers who cannot pay in full, and it may have hardship programs available depending on your situation and income.

What to do if your payment does not post

If you paid online or by phone and do not see the payment reflected in your account within one business day, log into your ComEd account and check the payment history. Online and phone payments usually post when ready or within a few hours. If more than one business day has passed and the payment still does not show, contact ComEd at 1-877-426-6331 to confirm the payment was received.

For mailed checks, allow five to seven business days before contacting ComEd. If you mailed a check more than a week ago and it has not posted, call ComEd with your check number and amount so they can trace it. Do not send a second payment until ComEd confirms the first one was not received, or you may overpay your account.

Frequently Asked Questions

Can I pay my ComEd bill with a credit card online?

Yes, you can pay with a credit or debit card through ComEd.com or the mobile app, but a processing fee applies — usually 2 to 3 percent of the payment amount. Paying from a bank account directly has no fee. You can also pay by credit card by phone at 1-877-426-6331, and the same fee applies.

What happens if I miss my due date?

A late fee is added to your next bill. Your service is not disconnected when ready for one late payment. However, if your bill remains unpaid 60 days after the bill date, ComEd can shut off your power without further notice. Contact ComEd right away if you cannot pay on time.

How do I set up a payment plan if I cannot pay my full bill?

Call ComEd at 1-877-426-6331 and explain your situation. ComEd can arrange a payment plan that spreads your balance over several months. You must make payments on time to keep the plan active. Some customers may also be referred to hardship programs that reduce or forgive past-due amounts.

Can I pay someone else's ComEd bill?

Yes, you can pay another person's bill if you have their account number. Pay online at ComEd.com, by phone, or by mail using their account number. The payment will be applied to their account. You do not need to be the account holder to make a payment.

Is there a fee for automatic payments?

No, automatic payments from a bank account are free. If you set up automatic payments using a credit or debit card, a small fee applies each month. You can change your payment method or cancel automatic payments at any time through your ComEd account.