MDU bill pay basics
MDU Resources Group (MDU) is an electric and natural gas utility serving Montana, North Dakota, and South Dakota. You can pay your MDU bill through their website, by phone, by mail, or in person at a payment center. Most customers use online pay because it's available 24/7 and shows your balance when ready.
MDU does not charge a fee for paying online through their website or by automatic bank draft. If you pay by phone with a representative, there is no fee. Third-party payment services (like paying through a bill pay aggregator) may charge their own fees — MDU itself does not.
Your bill is due on the date printed on your statement. If you pay after that date, MDU may charge a late fee. Payments made online typically post within one business day; payments by phone post the same day if made before 5 p.m. Mountain Time.
Key Takeaways
- You can pay your MDU bill online at mduresources.com, by phone at 1-888-MDU-BILL (1-888-638-2455), or by mail to the address on your statement.
- Online and automatic bank draft payments have no fee; phone payments with a representative also have no fee.
- Payments made online post within one business day; phone payments post the same day if made before 5 p.m. Mountain Time.
- You can set up automatic payments so your bill is paid on the same date each month without logging in again.
- If you cannot pay your full bill, contact MDU to discuss payment plans or hardship programs before your account falls behind.
Paying online through MDU's website
Go to mduresources.com and select "Pay My Bill" from the homepage. You will need your account number (found on your bill) and either your ZIP code or the phone number associated with your account. MDU will ask you to create a login if you do not already have one.
Once logged in, your current balance and due date will appear. You can pay the full amount due, a partial payment, or a different amount. Enter your payment method — debit card, credit card, or bank account. If you use a bank account, the payment posts the same day if submitted before 5 p.m. Mountain Time; card payments post within one business day.
After you submit payment, MDU will show you a confirmation number. Save or print this for your records. You will also receive an email confirmation if you provided an email address during login setup.
Setting up automatic payments
Automatic payments mean your bill is paid on a date you choose each month without you having to log in or call. This is the most common way to avoid late payments. On the MDU website, select "Enroll in AutoPay" or "Set Up Automatic Payments" from your account dashboard.
You can choose to pay the full amount due or a fixed dollar amount each month. If you choose a fixed amount, make sure it covers at least your minimum payment so your account does not fall behind. You can change or cancel automatic payments anytime by logging into your account or calling MDU customer service.
Automatic payments are deducted from your bank account on the date you select. If that date falls on a weekend or holiday, the payment is deducted on the next business day. MDU does not charge a fee for automatic payments.
Paying by phone or mail
To pay by phone, call MDU customer service at 1-888-MDU-BILL (1-888-638-2455). A representative will verify your account and take your payment information. Phone payments have no fee. If you call before 5 p.m. Mountain Time, your payment posts the same day; calls after 5 p.m. post the next business day.
To pay by mail, write a check or money order payable to MDU Resources Group and send it to the address printed on your bill. Include your account number on the check. Mail payments typically take 5 to 10 business days to post, so mail your payment at least a week before your due date to avoid a late fee.
Some MDU service areas have in-person payment centers where you can pay cash or check. Call customer service to find the nearest location in your area.
What to do if you cannot pay your full bill
If you cannot pay by your due date, contact MDU before your account falls behind. Call 1-888-MDU-BILL (1-888-638-2455) and explain your situation. MDU offers payment plans that spread your balance over several months, which gives you time without triggering a late fee or service disconnection.
MDU also has hardship programs for customers facing financial difficulty. These programs may offer extended payment terms, reduced deposits, or other information. You do not need to wait until your account is disconnected to ask — calling early gives you more options.
If you receive a disconnection notice, you typically have 10 to 15 days to contact MDU and arrange a payment plan before service is shut off. The exact timeline is printed on the notice.
Troubleshooting payment problems
If your online payment was rejected, the most common reasons are an incorrect account number, a mismatched ZIP code or phone number, or insufficient funds in your bank account. Log back into your account and verify all information matches your bill exactly. If you used a debit or credit card, check that the card has not expired and that you have not exceeded your daily transaction limit.
If you paid online but do not see the payment posted after two business days, log into your account and check your payment history. MDU shows the status of each payment (pending, posted, or failed). If the payment shows as failed, you will need to submit it again. If it shows as pending and more than two business days have passed, call customer service to confirm the payment was received.
If you were charged a late fee but believe you paid on time, contact MDU with your confirmation number or cancelled check. Late fees are sometimes reversed if you can show the payment was submitted by the due date, even if it posted after.
Understanding your MDU bill and account
Your MDU bill shows your account number, service address, current charges, any balance from the previous month, and your total amount due. The due date is printed near the top. Your bill also shows your usage for the current billing period and how it compares to the same month last year.
If you have questions about specific charges on your bill, call MDU customer service before paying. They can explain demand charges, seasonal adjustments, or other line items. Do not assume a charge is wrong — sometimes bills increase because of weather, rate changes, or equipment issues that MDU can explain.
You can view your account online anytime by logging into mduresources.com. This shows your current balance, payment history, usage trends, and any messages from MDU about your account.
Frequently Asked Questions
Can I pay my MDU bill with a credit card online?
Yes, MDU accepts Visa, Mastercard, American Express, and Discover on their website. Credit card payments post within one business day. Some credit card companies may charge a cash advance fee if they classify utility payments as cash advances, so check with your card issuer first.
What happens if I pay late?
If you pay after your due date, MDU charges a late fee (the amount varies by state and service area). If you remain unpaid for 30 to 45 days, MDU may issue a disconnection notice. You can avoid disconnection by contacting MDU and setting up a payment plan before service is shut off.
Can I set up automatic payments for a different amount each month?
No, automatic payments are a fixed amount each month. If your bill varies significantly, you can set the automatic payment to a lower amount and pay the difference manually when your bill arrives, or you can turn off automatic payments and pay manually each month.
How do I change my payment due date?
You cannot change your billing cycle or due date through the website. Call MDU customer service at 1-888-MDU-BILL (1-888-638-2455) to request a due date change. MDU may be able to adjust your billing date by a few days, but the change is not may provide and depends on your service area.
Is there a fee for paying by phone with a representative?
No, MDU does not charge a fee for phone payments made to a representative. The fee applies only if you use a third-party payment service or call a number other than the official MDU customer service line.