How to Log In and Pay Your TECO Energy Bill Online

TECO Energy bill pay login and payment steps

TECO Energy (Tampa Electric Company) lets you pay your bill through their website or mobile app without calling or visiting a payment center. You log in with your account number and password, then choose to pay in full or set up a one-time payment. The process takes about five minutes, and your payment posts within one to two business days for online payments made before 5 p.m. Eastern Time.

You do not need to create a new account if you already receive a TECO bill — you use your existing account number, which appears on your paper bill or in any email from TECO. If you have never logged in before, you will set a password the first time you visit the site.

Key Takeaways

• Your TECO account number is on your bill or in account emails, and you use it as your username to log in for the first time.
• Payments made online before 5 p.m. Eastern Time post within one to two business days; payments made after that time or on weekends post the next business day.
• You can set up a one-time payment or enroll in automatic recurring payments through the TECO website or the MyTECO mobile app.
• TECO accepts payment by bank account (ACH), debit card, or credit card, though credit card payments may include a processing fee.

Finding your account number and setting up your login

Your TECO account number is a nine-digit number printed on the front of your bill, usually in the upper right corner near your name. If you do not have a bill in front of you, check any email from TECO — account statements sent by email include the account number at the top.

Go to the TECO Energy website (teco.com) and select "Pay My Bill" or "Login" from the homepage. Enter your account number in the username field. On your first login, you will be asked to create a password — TECO requires at least eight characters, including uppercase and lowercase letters, a number, and a special character like ! or @. Write down your password or use a password manager so you do not forget it.

If you have already created a login in the past, use that same account number and the password you set then. If you forget your password, select "Forgot Password" on the login page and follow the prompts to reset it — TECO will send a link to the email address on file.

Making a one-time payment online

After you log in, you will see your account summary, including your current balance and due date. Select "Pay Now" or "Make a Payment" (the exact wording varies by page layout). TECO will show you the amount due and ask you to confirm the payment date — the default is today, but you can choose any date up to your due date.

Choose your payment method: bank account (ACH), debit card, or credit card. Bank account payments have no fee. Debit card and credit card payments may include a processing fee that TECO will show you before you confirm — the fee is typically 2 to 3 percent of the payment amount, though this varies. Enter your payment information, review the details one more time, and select "Confirm Payment."

TECO will display a confirmation number when ready. Write it down or take a screenshot. The payment will post to your account within one to two business days if made before 5 p.m. Eastern Time on a weekday. Payments made after 5 p.m. or on weekends post the next business day.

Setting up automatic recurring payments

If you want TECO to withdraw your payment automatically each month, log in and look for "Autopay," "Recurring Payment," or "Automatic Payment" — the exact label depends on which version of the website you see. Select that option and choose whether you want to pay your full bill each month or a fixed amount you set.

Enter your payment method (bank account, debit card, or credit card) and the day of the month you want the payment to come out — many people choose a date shortly after they receive their bill or after payday. TECO will confirm the setup and show you a summary of the recurring payment schedule.

You can change or cancel automatic payments at any time by logging back in and editing your autopay settings. TECO will send you an email confirmation each time a payment is processed.

Using the MyTECO mobile app

The MyTECO app is available on iOS and Android and works the same way as the website. read the app from the Apple App Store or Google Play Store, open it, and log in with your account number and password — the same credentials you use on the website.

From the app home screen, select "Pay My Bill" to make a one-time payment or view your autopay settings. The app shows your current balance, due date, and payment history. You can also view your usage, report an outage, or contact TECO customer service directly from the app.

Payment methods and fees

TECO accepts three payment methods through their online system. Bank account (ACH) payments have no fee and are the least expensive option if you have a checking or savings account. Debit card and credit card payments both may include a processing fee — TECO shows you the exact fee before you confirm, and it is typically 2 to 3 percent of the amount you are paying.

If you want to avoid online fees, you can mail a check to the address on your bill, pay in person at a TECO payment center, or call TECO's automated phone payment line. Those methods do not charge a fee, though mailed checks take longer to post.

What to do if your payment does not post

If you made a payment and it has been more than two business days, log back into your account and check your payment history — it should show the transaction and its status. If the payment shows as "pending," wait one more business day. If it shows as "failed" or "declined," TECO will usually send you an email explaining why — common reasons are an expired card, insufficient funds, or a mismatch between the address on your payment method and the address on file.

If your payment was successful but your bill balance has not changed, contact TECO customer service at 1-888-891-8326 (the number is on your bill). Have your confirmation number ready. TECO's customer service team can confirm the payment was received and tell you when it will appear on your account.

Frequently Asked Questions

Can I pay my TECO bill without creating an online account?

Yes. You can mail a check to the address on your bill, pay by phone at 1-888-891-8326, or visit a TECO payment center in person. You can also set up automatic payments by phone. Online payment through the website or app requires a login, but the other methods do not.

What happens if I pay after my due date?

TECO will charge a late fee if your payment is not received by the due date shown on your bill. If you are paying online, make sure to submit your payment before 5 p.m. Eastern Time on the due date so it posts the same day. If you are mailing a check, send it several days early to account for mail delivery time.

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

Contact TECO customer service at 1-888-891-8326 to discuss payment options. TECO may be able to work out a payment arrangement or connect you with programs that help with energy bills, depending on your situation and location.

Is it safe to pay my TECO bill online?

TECO uses encryption to protect your payment information when you pay through their official website or app. Do not pay through a link in an unsolicited email or text — go directly to teco.com or open the official MyTECO app instead. Scammers sometimes send fake TECO emails asking for payment information.

How do I change my payment method after I have set up autopay?

Log into your account, go to your autopay or recurring payment settings, and select "Edit" or "Change Payment Method." Enter your new payment information and save the changes. TECO will use the new method for your next scheduled payment.