Where to pay your Naperville water, sewer, and property tax bills

The City of Naperville collects bills for water, sewer, stormwater, and property taxes. You can pay these bills online through the city's official portal, by mail, in person, or by phone. The online method is fastest and shows your payment when ready; mailed checks take 7 to 10 business days to post to your account.

The city does not charge a fee for online payments made through its own system. Third-party payment processors may charge a convenience fee, which they will disclose before you complete the transaction. If you pay by mail, include your account number on the check and mail it to the address printed on your bill.

Key Takeaways

  • Pay online at the City of Naperville's official bill pay portal using your account number, which appears on your bill.
  • Mailed payments take 7 to 10 business days to reach the city and post to your account, so plan ahead if your due date is near.
  • You can set up automatic recurring payments online so the same amount withdraws on the same day each billing cycle.
  • If you cannot pay the full amount by the due date, contact the city's Finance Department to discuss payment arrangements before your account falls behind.

Paying online through the city portal

Visit the City of Naperville's official website and look for the "Bill Pay" or "Pay My Bill" link, usually found under Utilities or Finance. You will need your account number, which is printed on your bill in the upper right corner or near your name and address. Enter your account number, the amount you want to pay, and your bank account or debit card information.

The system will show you a confirmation screen with the payment amount, your account number, and the date the payment will be processed. Review this information carefully before clicking "Submit" or "Confirm." Once submitted, you will receive a confirmation number by email or on screen. Save this number in case you need to reference the payment later.

Online payments typically post to your account within one business day. If you pay before 5 p.m. on a business day, the payment usually appears the next morning. Payments made on weekends or after 5 p.m. may not post until the following business day.

Setting up automatic payments

Automatic payments withdraw the same amount from your bank account on the same day each billing cycle, so you never have to remember to pay manually. To set this up, log into the city's bill pay portal and look for an option labeled "Automatic Payments," "Recurring Payments," or "Autopay." You will enter your bank account or debit card information once, and the system will process payments on the schedule you choose.

You can usually choose to pay on a specific day of the month or on the due date shown on your bill. If you choose the due date and the due date falls on a weekend or holiday, the payment will process on the next business day. You can cancel automatic payments at any time through the same portal, though you should do this at least three business days before the next scheduled payment to prevent it from going through.

Paying by mail or in person

To pay by mail, write a check or money order for the amount due and include your account number on the check. Mail it to the address printed on your bill — this is typically the City of Naperville Finance Department or Utilities Department. Do not mail cash. Include your bill or a copy of it in the envelope so the city can match the payment to your account quickly.

Mailed payments take 7 to 10 business days to arrive and be processed. If your due date is within two weeks, paying by mail risks your account falling behind. In-person payments can be made at the city's Finance Department during business hours, usually Monday through Friday, 8 a.m. to 5 p.m. Call ahead to confirm hours and the exact location, as these can change seasonally.

Paying by phone

You can pay your Naperville bill by phone by calling the city's Finance Department or Utilities Department. Have your account number and payment method (bank account or debit card) ready. A representative will walk you through the payment process and provide a confirmation number. Phone payments are processed the same day if you call before the cutoff time, usually 5 p.m. on a business day.

Phone payments may carry a convenience fee charged by the payment processor. The representative will tell you the fee amount before processing your payment. If you do not want to pay the fee, you can hang up and pay online or by mail instead.

What to do if you cannot pay by the due date

If you know you cannot pay the full amount by the due date, contact the City of Naperville Finance Department before your account falls behind. Explain your situation and ask about payment arrangements or a short extension. The city may be willing to work with you if you reach out proactively rather than waiting for a late notice.

If your account does fall behind, the city will send a past-due notice. Late fees and interest will accrue according to the city's billing policy. If the account remains unpaid for several months, the city may place a lien on your property or refer the debt to a collection agency. Contacting the city early gives you the best chance of avoiding these consequences.

Finding your account number and bill information

Your account number appears on every bill the city sends you. It is usually printed in the upper right corner or near your name and address at the top of the bill. If you have lost your bill, you can find your account number by logging into the city's online portal with your address and zip code, or by calling the Finance Department.

The city's website also lists the current billing cycle dates, due dates, and any scheduled rate changes. If you have questions about what you are being charged for, the bill itself breaks down charges by service — water, sewer, stormwater, and property tax are usually listed separately with their own amounts.

Frequently Asked Questions

Can I pay someone else's Naperville bill if I have their account number?

Yes. The city's online system does not require you to be the account holder to make a payment. You only need the account number and a payment method. However, if you are paying someone else's bill regularly, that person should set up automatic payments themselves so the city has a record of authorized payments.

What happens if I pay too much by accident?

If you overpay, the city will credit the extra amount to your next bill. You can also request a refund by contacting the Finance Department, though refunds may take several weeks to process. It is usually easier to let the credit roll forward to your next billing cycle.

Do I need to create an account to pay online?

No. Most city portals allow you to make a one-time payment with just your account number and payment method. Creating an account is optional and lets you view your payment history and set up automatic payments, but it is not required to pay a single bill.

What if my payment shows as submitted but does not appear on my bill?

Wait one full business day. Online payments can take up to 24 hours to post. If it still does not appear after two business days, contact the Finance Department with your confirmation number and the payment amount. They can look up the payment in their system and confirm it was received.

Can I pay my Naperville bill with a credit card?

Most city portals accept debit cards directly. Credit card payments usually go through a third-party processor that charges a convenience fee — often 2 to 3 percent of the payment amount. The portal will show you the fee before you complete the transaction, so you can choose whether to proceed or use a different payment method.