How to Pay Your ComEd Bill Online and by Phone

How to pay ComEd through their website or phone line

ComEd, the electric utility serving northern Illinois, lets you pay your bill through their website, by phone, or by mail. The fastest method is their online portal at ComEd.com — you log in with your account number and make a one-time payment or set up automatic payments. If you prefer the phone, you can call ComEd's automated payment line at 1-800-334-7661 and pay with a debit or credit card without speaking to a representative.

Both routes process payments the same day if you submit before their cutoff time, usually around 8 p.m. Central Time on business days. Payments made after hours or on weekends are queued for the next business day. ComEd does not charge a fee to pay online or by phone, though your bank may charge a fee if you use a credit card instead of a debit card or bank account.

Key Takeaways

• You can pay ComEd online at ComEd.com, by phone at 1-800-334-7661, or by mail without any fee from ComEd.
• Online and phone payments submitted before 8 p.m. Central Time on a business day post the same day; after-hours payments process the next business day.
• Setting up automatic payments through ComEd's website removes the need to pay manually each month and prevents late fees.
• If you are behind on your bill, ComEd offers budget billing and hardship programs that may lower your monthly payment or pause collection action.

Paying online through your ComEd account

Log into your ComEd account at ComEd.com using your username and password, or create an account if you do not have one yet. You will need your account number, which appears on your bill or in any ComEd letter. Once logged in, select "Pay My Bill" from the menu and enter the amount you want to pay — you can pay the full balance, a partial amount, or a different sum.

ComEd accepts payments from a checking or savings account (which takes 1 to 2 business days to clear) or a debit card (which posts when ready). If you use a credit card, ComEd charges a convenience fee of roughly 2.5% of the payment amount, which is why debit or bank account is the cheaper choice. After you submit, you will see a confirmation number on screen and receive an email receipt.

Setting up automatic monthly payments

Automatic payments mean your bill is paid on the same day each month without you having to log in or call. From your ComEd account online, go to "Billing & Payment" and select "Autopay" or "Auto Pay." Choose the day of the month you want the payment to come out — many people pick the day after they get paid — and whether to pay the full bill or a fixed amount.

You can pause or cancel automatic payments anytime through your account, and ComEd will send you a reminder email a few days before each payment goes through. This method prevents accidental late payments and the fees that come with them, and it is especially useful if you have a budget billing plan where your monthly amount stays the same year-round.

Paying by phone without logging in

Call ComEd's automated payment line at 1-800-334-7661 from any phone. The system will ask for your account number (found on your bill) and the amount you want to pay. You will then enter your debit card or bank account information. The call takes about 5 minutes, and you will hear a confirmation number at the end.

If you prefer to speak with a representative, you can stay on the line after the automated system starts, and a ComEd agent will help you. This option is useful if you have questions about your bill or need to discuss a payment plan before you pay. Representatives are available during business hours, typically Monday through Friday 7 a.m. to 7 p.m. Central Time.

Mailing a check or money order

You can mail a check or money order to the address printed on your bill. Include your account number on the check so ComEd knows which account to credit. Mail typically takes 5 to 7 business days to arrive, so send it well before your due date to avoid a late fee. ComEd's mailing address is usually listed on the back of your bill or in the payment section of their website.

Mailing is slower than online or phone payment, so use it only if you do not have internet access or a debit card. If you are mailing a payment close to your due date, call ComEd first to confirm they received it, or use online or phone payment instead to may provide it posts on time.

What to do if you cannot pay your full bill

If you are behind on your ComEd bill or cannot afford the full amount, ComEd offers budget billing, which spreads your annual electric costs into equal monthly payments so you pay the same amount each month instead of higher bills in summer and winter. You can also ask about a payment plan that lets you pay your arrears (past-due amount) in smaller installments over several months.

Contact ComEd's customer service at 1-800-334-7661 to discuss these options. If you are a low-income household, you may also be may be able to access for the LIHEAP (Low Income Home Energy information Program), which is run by the state of Illinois and can pay part or all of your bill. ComEd can refer you to LIHEAP or you can contact your local community action agency directly.

Understanding your bill and due date

Your ComEd bill shows your account number, the amount due, and the due date — usually 21 days after the bill is mailed. If you pay after the due date, ComEd charges a late fee, typically 1.5% of the unpaid balance. The bill also shows your usage in kilowatt-hours and breaks down charges for delivery, supply, and taxes.

If you have budget billing, your bill will show your budgeted amount and a note about how much you are ahead or behind for the year. At the end of the year (usually in November), ComEd adjusts your account: if you overpaid, you get a credit toward next year's bills; if you underpaid, you owe the difference. You can change your budget billing amount anytime if your usage or circumstances change.

Frequently Asked Questions

Does ComEd charge a fee to pay online or by phone?

ComEd does not charge a fee if you pay from a checking or savings account or use a debit card. If you use a credit card, ComEd charges a convenience fee of roughly 2.5% of the payment amount. Your bank may also charge a fee depending on your account type.

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

Payments submitted online or by phone before 8 p.m. Central Time on a business day post the same day. Payments made after hours or on weekends are processed the next business day. Mailed checks take 5 to 7 business days to arrive and clear.

Can I set up automatic payments and then cancel them later?

Yes. You can pause or cancel automatic payments anytime through your ComEd account online, and the change takes effect when ready for future payments. ComEd sends a reminder email a few days before each scheduled payment so you have time to cancel if needed.

What happens if I miss my due date?

ComEd charges a late fee, usually 1.5% of the unpaid balance. If you are more than 30 days late, ComEd may shut off your service. If you cannot pay on time, contact ComEd right away to discuss a payment plan or hardship program before your service is disconnected.

Can ComEd help me if I am behind on my bill?

Yes. ComEd offers budget billing, payment plans, and can refer you to LIHEAP (Low Income Home Energy information Program) if you may have access to. Call 1-800-334-7661 to discuss your situation and learn which programs may help you catch up.