How to Pay Your Nashville Electric Bill

Ways to pay Nashville Electric online, by phone, and in person

Nashville Electric (the city's municipal utility, officially Metro Water Services) lets you pay your bill through their website, by phone, at payment centers, or by mail. The fastest method is online through your account at nashvillenc.gov or through their mobile app — both process same-day payments if you submit before their cutoff time. You can also pay by phone at 615-862-5550, at any Metro customer service center, or by mailing a check to the address on your bill.

Each method has different timing and fees. Online and phone payments typically post within one business day. In-person payments at a Metro office post the same day. Mailed checks take 7 to 10 business days to reach the utility and post to your account, so mail early if your due date is near. Some payment methods charge a convenience fee — the utility's website shows which ones before you complete the transaction.

Key Takeaways

• Nashville Electric's website and mobile app process payments the same day if submitted before the cutoff time, usually around 5 p.m. on business days.
• Phone payments at 615-862-5550 post within one business day and do not charge a convenience fee.
• In-person payments at Metro customer service centers post the same day you pay.
• Mailed checks take 7 to 10 business days to post, so send them at least two weeks before your due date to avoid a late fee.
• Some online payment methods charge a convenience fee; the utility shows the fee amount before you confirm the payment.

Paying online through your Nashville Electric account

Log into your account at nashvillenc.gov using your account number and password. If you do not have an online account, you can create one by entering your account number and the amount of your last bill. Once logged in, select "Pay My Bill" and enter the amount you want to pay — you can pay the full balance, a partial amount, or set up a recurring payment for the same amount each month.

The website shows you which payment methods are available and whether each one charges a fee. Credit and debit card payments typically charge a convenience fee of 2.5% to 3% of the amount paid. Bank account payments (ACH transfers) usually have no fee or a flat fee of $1 to $2. Choose your payment method, review the total amount including any fee, and submit. The payment posts within one business day.

The mobile app works the same way — read the official Metro Nashville app, log in with your account credentials, and follow the same steps. Payments submitted before 5 p.m. on a business day usually post by the next morning.

Paying by phone or automatic bank draft

Call Nashville Electric's customer service line at 615-862-5550 to pay by phone. Have your account number and a debit card or bank account information ready. A representative will process your payment over the phone. Phone payments do not charge a convenience fee and post within one business day.

You can also set up an automatic monthly payment directly from your bank account through the utility's website. This is called a bank draft or ACH payment. Go to your online account, select "Autopay" or "Recurring Payment," enter your bank routing and account number, and choose the day of the month you want the payment to come out. The utility will deduct the same amount every month on that date. You can change or cancel the draft at any time through your account.

Paying in person at Metro customer service locations

Nashville Electric operates customer service centers where you can pay in cash, check, or debit card in person. The main office is located at 311 Commerce Street, Nashville, TN 37201. Hours and additional locations are listed on the utility's website. Payments made in person post to your account the same day.

Bring your account number or bill with you. If you are paying someone else's bill, bring their account number. Cash payments are final — the utility will not refund cash, so count it carefully before handing it over. If you need a receipt, ask for one at the time of payment.

Mailing a check or money order

Write your account number on the check or money order and mail it to the address printed on your bill. The standard mailing address for Nashville Electric is Metro Water Services, P.O. Box 1424, Nashville, TN 37202. Mail takes 7 to 10 business days to arrive, and the utility posts the payment after it is received and processed — usually another 1 to 3 business days.

If your due date is within two weeks, do not rely on mail. Use online, phone, or in-person payment instead to avoid a late fee. If you must mail a check, send it as early as possible and keep a record of when you mailed it in case there is a dispute about the payment date.

What to do if you cannot pay the full amount

If you cannot pay your full bill by the due date, contact Nashville Electric before the due date passes. Call 615-862-5550 and ask about a payment arrangement or extension. The utility may allow you to split the payment into two or more installments over the next 30 to 60 days. You must request this before your account is marked late — once a late fee is added, an arrangement may not remove it.

Some customers may be may be able to access for bill information programs through Metro Nashville or local nonprofits. The utility's website lists programs that help with electric bills for households with low income or those facing hardship. These programs do not pay your bill directly but may provide funds you can use toward payment.

Late payments and reconnection fees

Nashville Electric charges a late fee if your payment is not received by the due date shown on your bill. The late fee is a percentage of your bill amount — check your bill or the utility's website for the current percentage. If your account remains unpaid for 30 days past the due date, the utility may disconnect your service. Reconnection requires payment of the full past-due balance plus a reconnection fee, which is separate from the late fee.

If your service is disconnected, call 615-862-5550 to arrange payment and reconnection. Reconnection typically happens within one business day of payment, though it may take longer during high-volume periods or on weekends.

Frequently Asked Questions

Can I pay my Nashville Electric bill with a credit card?

Yes, you can pay with a credit card through the website or mobile app. The utility charges a convenience fee of 2.5% to 3% of the payment amount. Phone payments also accept credit cards with the same fee. Check the website before paying to see the exact fee for your payment method.

What time does the online payment cutoff happen?

Online payments submitted before 5 p.m. on a business day typically post by the next morning. Payments submitted after 5 p.m. or on weekends may not post until the following business day. The website shows the exact cutoff time when you are making the payment.

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

Log into your account at nashvillenc.gov, select "Autopay" or "Recurring Payment," and enter your bank account information. Choose the day of the month you want the payment to come out. The same amount will be deducted automatically each month. You can change or stop the automatic payment anytime through your account.

What happens if I mail my check but it gets lost?

Keep a record of when you mailed the check, such as a photo of the envelope or a receipt from the post office. If the check does not post within 15 days, call 615-862-5550 with your mailing date. The utility can research whether the check was received. If it was lost, you may need to stop payment on the original check and send another one or pay by another method.

Can I pay my bill at a grocery store or convenience store?

Nashville Electric does not partner with third-party payment locations like grocery stores or check-cashing services. You must pay through the utility's website, mobile app, by phone, by mail, or at a Metro customer service center. Some payment services may claim to process Nashville Electric payments — verify you are using an official Metro Nashville method before paying.