How PECO Login Works
PECO's online bill pay system starts at peco.com, where you create an account using your service address and account number. Your account number appears on your paper bill in the upper right corner, usually a nine-digit code. You'll set up a username and password during registration — PECO requires at least one uppercase letter, one number, and one special character in your password.
Once your account is active, you log in with that username and password each time you visit. PECO also offers a mobile app (available on iOS and Android) that uses the same login credentials. The app mirrors the website's features, so you can view your bill, make payments, and set up recurring payments from either location.
If you forget your password, the login page has a "Forgot Password" link that sends a reset email to the address on file. That email contains a temporary link valid for 24 hours. If you can't find the email, check your spam folder — some email providers flag password reset messages as suspicious.
Key Takeaways
- You need your nine-digit account number (found on your paper bill) and service address to create a PECO online account.
- PECO's password requirements include uppercase letters, numbers, and special characters to protect your account from unauthorized access.
- You can pay your bill through the website or the mobile app using the same login, and both let you set up automatic recurring payments.
- Payment methods include debit cards, credit cards, and bank account transfers, though bank transfers typically have no fee while card payments may incur a small charge.
- PECO processes payments submitted before 5 p.m. on business days the same day; payments after that time or on weekends post the next business day.
Payment Methods and Fees
Once logged in, you can pay using a debit card, credit card, or direct bank transfer. PECO does not charge a fee for bank account transfers, but third-party payment processors charge a convenience fee (typically 1 to 3 percent of your bill) when you use a credit or debit card. That fee is added to your payment total before you confirm.
Bank transfers are the cheapest option if you have time — they usually take one to two business days to post. If you need to pay when ready and don't have a bank account linked, a debit card is faster than a credit card and may have a lower fee, though you should check the fee amount the system shows before you submit.
PECO also lets you set up automatic recurring payments from a bank account. You choose the payment date each month (for example, the 15th), and PECO withdraws the amount due on that date. This option has no fee and removes the need to log in each month, though you should still check your bill occasionally to make sure the amount is correct.
Setting Up and Managing Your Account
After you log in for the first time, PECO asks you to verify your identity by answering security questions or confirming details from your account history. This step protects your account if someone else tries to access it. You'll also have the option to set up two-factor authentication, which sends a code to your phone or email each time you log in from a new device.
In your account settings, you can update your contact information, change your password, and manage which payment methods are saved. PECO stores your payment methods securely, but you can remove any card or bank account at any time. If you share a device with others, you should log out after each session — the "Log Out" button is usually in the upper right corner of the page.
Your account dashboard shows your current bill amount, due date, and payment history. You can also view past bills as PDF files, which is useful if you need to reference an older charge or provide proof of payment to someone else.
Timing and Processing for Online Payments
PECO processes payments submitted before 5 p.m. Eastern Time on business days (Monday through Friday) the same day. Payments submitted after 5 p.m. or on weekends and holidays post the next business day. Bank transfers typically take one to two business days after submission, so if your bill is due on a Friday and you submit a bank transfer on Thursday afternoon, it may not post until Monday.
If your payment is due soon and you're cutting it close, use a debit card or credit card for same-day posting rather than a bank transfer. PECO considers a payment received on the date it posts to your account, not the date you submit it, so timing matters if you're trying to avoid a late fee.
You can check the status of a recent payment in your account history. If a payment shows as "pending," it has been submitted but not yet posted. Once it posts, the status changes to "completed" and your bill balance updates.
Troubleshooting Login and Payment Issues
If you can't log in, the most common causes are a forgotten password, an incorrect username, or a browser cache issue. Clear your browser's cache and cookies, then try logging in again. If that doesn't work, use the "Forgot Password" link to reset your password — the reset email should arrive within a few minutes.
If you're locked out after multiple failed login attempts, PECO temporarily disables your account for security. Wait 15 to 30 minutes, then try again. If you're still locked out, contact PECO's customer service at 1-800-494-4000 (available Monday through Friday, 7 a.m. to 7 p.m., and Saturday 8 a.m. to 4 p.m. Eastern Time).
If a payment fails during submission, the system usually shows an error message explaining why — for example, "Card declined" or "Bank account not verified." Do not submit the payment again when ready; wait a few minutes and try once more. If it fails a second time, try a different payment method or contact PECO's customer service.
Security and Protecting Your Account
PECO uses encryption to protect your login information and payment details when you're on their website or app. However, you should still follow basic security practices: use a strong, unique password that you don't use for other accounts, and never share your login credentials with anyone else.
If you suspect someone has accessed your account without permission, change your password when ready and contact PECO at 1-800-494-4000. PECO can review your account activity and flag any unauthorized payments. If a fraudulent charge appears on your bill, report it to PECO and to your bank or card issuer — both can dispute the charge and potentially reverse it.
When logging in on a public or shared device (like a library computer or a family member's phone), always log out when you're finished. Do not save your password in the browser, and do not check the "Remember me" option on public devices.
Frequently Asked Questions
What if I don't have an account number?
Your account number is on your paper bill in the upper right corner. If you don't have a recent bill, call PECO at 1-800-494-4000 and provide your service address and name. A representative can give you your account number so you can create an online account.
Can I pay my PECO bill without creating an account?
Yes. PECO's website has a guest payment option where you enter your account number and amount due without logging in. This option is slower than using an account (because you enter your information each time) and doesn't let you set up recurring payments, but it works if you prefer not to create an account.
Why does PECO charge a fee for credit card payments?
PECO doesn't charge the fee — a third-party payment processor does. PECO uses an outside company to handle credit and debit card transactions, and that company charges a percentage of the payment amount. Bank transfers go directly from your bank to PECO, so there's no middleman and no fee.
How long does it take for a bank transfer payment to show up?
Bank transfers typically take one to two business days after you submit them. If you submit on a Friday afternoon, it may not post until Monday or Tuesday. If your bill is due soon, use a debit card for same-day posting instead.
What should I do if my payment was rejected?
Check the error message the system displayed — it usually explains why (card declined, insufficient funds, incorrect bank account). Wait a few minutes, then try again with the same payment method. If it fails again, try a different payment method or call PECO at 1-800-494-4000 for help.