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

PECO's main payment methods and where to use them

PECO (Philadelphia Electric Company) lets you pay your bill through their website, by phone, by mail, or in person at payment centers. The fastest route is their online portal at peco.com, where you can pay when ready with a bank account or debit card. If you prefer not to use the internet, you can call their automated payment line or speak to a representative, mail a check, or visit a local payment location.

Each method has different timing — online and phone payments usually post the same day, while mailed checks take 7 to 10 business days to reach PECO and clear. Knowing which method fits your situation helps you avoid late fees and keeps your account current.

Key Takeaways

• PECO's online bill pay portal at peco.com processes payments when ready and is available 24/7 without phone calls or trips.
• Phone payments through PECO's automated system or a representative work the same day but require your account number and payment method ready.
• Mailed checks take 7 to 10 business days to arrive and clear, so send them well before your due date to avoid late charges.
• PECO payment centers in Philadelphia accept cash, checks, and cards in person, though hours and locations vary by site.
• Setting up automatic recurring payments through your bank or PECO's website removes the need to remember each month's due date.

Paying online through PECO's website

Go to peco.com and look for the "Pay My Bill" or "Billing" section. You will need your PECO account number (found on your bill) and either a checking or savings account, debit card, or credit card. The site will ask you to enter the amount you want to pay and confirm your payment method.

Online payments process when ready, and PECO sends a confirmation number right away. You can pay at any time of day or night, and there is no fee for paying from a bank account. Some payment methods, such as credit cards, may carry a processing fee that PECO will disclose before you confirm the payment.

If you do not have an online account yet, you can create one using your account number and service address. Once set up, you can also view your bill history, check your balance, and see your due date without calling.

Paying by phone with PECO

Call PECO's automated payment line at 1-800-334-7661 to pay without speaking to anyone. You will need your account number and your payment method (bank account or card) ready. The system walks you through entering the amount and confirming the payment, which posts the same day.

If you prefer to speak with a representative, call the same number and select the option to talk to someone. A representative can answer questions about your bill, set up a payment plan, or process your payment over the phone. Wait times vary depending on call volume.

Phone payments are free when you pay from a bank account. Credit or debit card payments may include a processing fee, which the system will tell you before you complete the transaction.

Mailing a check or money order

Write your account number on the check or money order and mail it to the address shown on your bill. PECO's mailing address changes depending on which region you are in, so always use the address printed on your statement rather than looking it up separately.

Mail takes 7 to 10 business days to arrive at PECO's processing center, and another few days to post to your account. If your due date is coming up soon, mailing a check may result in a late fee even if you send it on time, because the payment has not yet posted. To avoid this, mail your check at least two weeks before the due date, or use online or phone payment instead.

Keep a copy of your check or the confirmation number from your bank's bill pay service so you can track the payment if there is a question later.

Paying in person at PECO locations

PECO has payment centers in Philadelphia and surrounding areas where you can pay with cash, check, or card. Locations and hours vary, so visit peco.com or call 1-800-334-7661 to find the nearest center and confirm it is open before you go.

In-person payments are processed when ready, and you receive a receipt showing the amount paid and the date. This method works well if you prefer to pay with cash or want a physical record of your payment on the spot.

Setting up automatic recurring payments

PECO allows you to set up automatic payments so your bill is paid on the same date each month without you having to remember. You can do this through their website by linking your bank account, or you can call to set it up over the phone.

Automatic payments are free when you pay from a bank account. You can change or cancel the automatic payment at any time through your online account or by calling PECO. This method is useful if you want to avoid late fees and do not want to manage monthly payments manually.

What to do if you cannot pay your full bill

If you cannot pay the full amount by the due date, contact PECO before the bill becomes late. Call 1-800-334-7661 to speak with a representative about payment plans or other options. PECO may be able to spread your payment over several months, which can help you avoid a late fee or service interruption.

Some households may also be may be able to access for bill information programs through local nonprofits or government agencies. PECO's website has information about these programs, and a representative can point you toward resources in your area.

Frequently Asked Questions

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

Online payments through PECO's website post when ready, and you receive a confirmation number right away. Your account balance updates the same day, though it may take a few hours to appear if you check online.

Is there a fee to pay my PECO bill online?

No fee applies when you pay from a bank account. Credit and debit card payments may include a processing fee, which PECO discloses before you confirm the payment. You can choose to pay with your bank account to avoid the fee.

Can I pay PECO with a credit card?

Yes, you can pay with a credit or debit card online or by phone. PECO charges a processing fee for card payments, typically a percentage of the amount you pay. Paying from a bank account avoids this fee.

What happens if I mail my check late?

If your check arrives after the due date, PECO may charge a late fee even though you mailed it on time. Mail takes 7 to 10 business days, so send checks at least two weeks early. For payments closer to the due date, use online or phone payment instead.

Can I set up automatic payments and still change the amount each month?

Automatic payments are set for a fixed amount each month. If you want to pay a different amount, you can make a one-time payment online or by phone in addition to the automatic payment, or you can cancel the automatic payment and pay manually that month.