How to Pay Your ComEd Bill Online, by Phone, or Mail

ComEd bill payment methods and where to send money

ComEd is the electric utility serving northern Illinois, including Chicago and its suburbs. You can pay your ComEd bill through their website, by phone, by mail, or in person at payment centers. Each method has different processing times and fees, so the right choice depends on when your payment is due and how you prefer to handle it.

ComEd does not charge a fee to pay online through their website or to pay by phone using a bank account. If you use a credit or debit card, ComEd passes through a processing fee that varies by card type — typically 2.5% to 3%. Payments made online or by phone usually post within one business day if submitted before 5 p.m. central time on a business day.

Mail payments take 7 to 10 business days to reach ComEd's processing center and post to your account, so mail is not the right choice if your due date is within two weeks. In-person payments at authorized payment centers post the same day if made before the center's closing time.

Key Takeaways

• ComEd's website and phone line accept payments from a bank account with no fee, but credit card payments carry a 2.5% to 3% processing fee that you pay.
• Online and phone payments post within one business day if submitted before 5 p.m. central time on a weekday, while mail takes 7 to 10 business days.
• You can set up automatic recurring payments through ComEd's website so your bill pays on the same day each month without you taking action.
• If you are behind on your bill, ComEd offers budget billing and hardship programs; contact their customer service line at 1-800-334-7661 to discuss your situation.

Paying online through ComEd's website

Visit ComEd.com and log into your account using your username and password. If you do not have an online account, you can create one by entering your account number (found on your bill) and other identifying information. Once logged in, select "Pay My Bill" or "Make a Payment" from the menu.

Enter the amount you want to pay — you can pay the full balance, a partial amount, or a different amount if you choose. Select your payment method: bank account (no fee) or debit/credit card (2.5% to 3% fee). If paying by bank account, provide your routing number and account number. The payment posts within one business day if submitted before 5 p.m. central time on a business day.

You can also set up automatic recurring payments through the website. Choose the day of the month you want the payment to occur, select whether to pay the full bill or a fixed amount, and confirm the bank account or card. ComEd will charge your account on that date each month until you cancel the arrangement.

Paying by phone

Call ComEd's automated payment line at 1-800-334-7661. You will need your account number (on your bill) and your bank account or card information. The system accepts payments from a bank account with no fee or from a debit/credit card with the standard 2.5% to 3% processing fee.

Payments submitted before 5 p.m. central time on a business day post within one business day. If you call after 5 p.m. or on a weekend or holiday, your payment is processed the next business day. You can also speak with a customer service representative by pressing the option for agent information; they handle the same payment methods and timing.

Paying by mail

Write a check or money order payable to ComEd and include your account number on the check. Mail it to the address printed on your bill — ComEd has multiple processing centers, and the correct address for your region appears on your statement.

Mail payments take 7 to 10 business days to arrive and post to your account. Because of this delay, do not use mail if your due date is fewer than 10 days away. If you are mailing a payment close to the due date and want to avoid a late fee, contact ComEd before sending to confirm they received it or to discuss a payment arrangement.

In-person payment at ComEd payment centers

ComEd operates payment centers in Chicago and surrounding areas where you can pay in cash, check, or money order. Bring your bill or account number. Payments made before the center's closing time post to your account the same day.

Payment center locations and hours vary by neighborhood. Visit ComEd.com and search for "payment centers" or call 1-800-334-7661 to find the nearest location and confirm hours before you go. Some centers have limited hours or may close on certain holidays.

What to do if you cannot pay your full bill

ComEd offers budget billing, which spreads your annual electric costs evenly across 12 months so your bill is the same amount each month. This helps if your bill spikes in summer or winter. You can enroll through your online account or by calling 1-800-334-7661.

If you are behind on your bill or facing hardship, ComEd has programs that may help. Contact their customer service line to discuss your situation. They can explain payment plans, hardship information, and other options available to you. Do not ignore a past-due notice — ComEd can disconnect service if your account remains unpaid, but they must provide notice and opportunity to pay before doing so.

Frequently Asked Questions

Is there a fee to pay my ComEd bill online?

No fee if you pay from a bank account. Credit and debit card payments carry a 2.5% to 3% processing fee that ComEd charges you at the time of payment. You see the fee amount before you confirm the transaction.

How long does it take for my payment to show up?

Online and phone payments post within one business day if submitted before 5 p.m. central time on a weekday. Mail takes 7 to 10 business days. In-person payments at a ComEd payment center post the same day if made before closing time.

Can I set up automatic payments so I do not have to pay every month?

Yes. Log into your ComEd account online, go to "Billing & Payment," and select "Automatic Payments." Choose the day of the month and whether to pay the full bill or a fixed amount. ComEd charges your bank account or card on that date each month until you cancel.

What happens if I miss my due date?

ComEd charges a late fee if payment is not received by the due date shown on your bill. If you are past due, pay as soon as you can. Contact ComEd at 1-800-334-7661 if you need a payment plan or have questions about late fees.

Can I pay someone else's ComEd bill?

You can pay online or by phone if you have the account number and authorize access to that account. For security, ComEd does not allow third-party payments without account holder permission. If you want to pay someone else's bill regularly, they can add you as an authorized user on their account.