Paying Electric Bills

SMECO offers numerous options for you to pay your bill.

Pay Automatically:

  • AutoPay Pay your SMECO bill automatically from your checking account or credit card. It’s easy to set up, and your bill gets paid on time every month

Pay Online:

  • Use SMECO’s Account Manager to view and pay your SMECO bill online. Pay with your checking account or your credit card (Visa, MasterCard, or Discover). To use Account Manager, you need to have third-party cookies enabled in your browser.
  • You can make a quick and easy online payment when you click Pay Your Bill (no need to have third-party cookies enabled in your browser). You’ll need your account number and payment info, but no user name or password.
  • You can text us your payment using your smart phone if you set up an online wallet. Go to “Pay your bill” or log in to Account Manager to store your payment info in your online wallet.
  • Download our free SMECO 24/7 mobile app. The app stores your payment info and offers additional conveniences.
  • Accounts that have a past-due balance cannot be paid online. Speak to a SMECO Customer Care Representative to make a payment. We're open all day, every day, at 1-888-440-3311.
  • Do you pay your bill online? Third party sites may charge a fee. Customers who make an overpayment when using a third party site will not receive a refund from SMECO. To initiate a correction, the customer must contact the third party payment site.

Pay by Phone:

  • Use a check, Visa, MasterCard, or Discover. You can also check your account balance and date of your last payment, free of charge. Direct Pay is available 24/7. Just call 1-866-528-7757.

Pay By Mail:

Mail bill payments to:

P.O. Box 62261
Baltimore, MD 21264-2261

Pay in Person:

The customer service center at the SMECO headquarters in Hughesville and the Leonardtown office are open to the public Monday through Friday from 8 a.m. to 4 p.m., except for holidays.


Pay your SMECO electric bill at any Walmart with an additional fee as low as 88 cents. Just take a copy of your bill to any Walmart MoneyCenter or Customer Service Desk. Please allow three business days for the payment to post. You can pay in cash or with a PIN debit card (no checks or credit cards).

Returned Item Charge:

Any banking or payment item returned to the co-op unpaid by a customer’s bank will incur a charge . This applies to payments received for electric bills, customer deposits, reconnection fees, or any other charge paid to the co-op, and includes payments made utilizing third-party bill-paying services. The charge will be added to the member's account.

A member may request a waiver of the returned item charge if no such waiver has been given in the past 11 months.

Alternate Payment Plans:

If you need assistance paying your SMECO electric bill, there are a variety of programs available.

  • A customer who is unable to pay for electric service in accordance with SMECO’s billing practices may, under certain circumstances, negotiate an alternate payment plan. The alternate payment plan will take into account the customer’s circumstances, financial condition, and payment history. Arrangements for alternate payment plans can be made in Account Manager, in person, or over the phone (1-888-440-3311). Payment arrangements must be made before the termination date.
  • The plan negotiated will be noted on the customer’s account record at SMECO. If the customer fails to meet the obligations agreed upon, SMECO may initiate turn-off procedures without further notice for a past-due balance.

Need Help Paying Your Past-Due Energy Bill?

Contact your local Office of Home Energy Programs (OHEP) to see if you qualify for assistance.

Southern Maryland Tri-County Community Action Committee, Inc.
(Calvert, Charles, and St. Mary’s counties)
8371 Leonardtown Road (Old Route 5), Hughesville

Prince George’s County Department of Social Services
805 Brightseat Road, Landover

This Energy Assistance card (PDF) lists the OHEP’s phone numbers, as well as the numbers of other agencies that offer assistance.

Patriot Connect:

SMECO’s Patriot Connect program is designed to help veterans and active military personnel who may be having a difficult time transitioning back into the community.

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