What PECO Online Bill Pay Does

PECO's online bill pay system lets you view your electric and gas bill, schedule payments from your bank account, and manage your account without calling or visiting a payment location. You log in through PECO's website or mobile app, authorize a one-time payment or set up recurring payments, and the money moves from your bank to PECO on the date you choose. The system works whether you pay in full or in part, and you can change or cancel a scheduled payment up to the business day before it processes.

This is different from autopay: with bill pay, you decide the amount and date each time (or set a recurring schedule you control). With autopay, PECO charges your account automatically on a fixed date each month for the full bill. Both are free, but bill pay gives you more control if your bill varies or your cash flow is uneven.

Key Takeaways

  • You need a PECO online account and a U.S. bank account or debit card to use bill pay; the service is free and takes about five minutes to set up.
  • Payments typically post within one to three business days, so schedule them at least that far ahead of your due date to avoid late fees.
  • You can pay from a checking or savings account, or use a debit card, but credit cards are not accepted through PECO's bill pay system.
  • Scheduled payments can be changed or cancelled up until the business day before they process, giving you flexibility if your situation changes.

Creating a PECO Online Account

Before you can use bill pay, you need an active PECO online account. Go to peco.com and click "Sign Up" or "Create Account" in the upper right. You will need your PECO account number (on your bill), your service address, and a valid email address. PECO will send a verification link to that email; click it to confirm your address, then create a username and password.

If you already have a PECO online account, you can skip this step and go straight to adding a payment method. If you have forgotten your password, use the "Forgot Password" link on the login page and follow the email instructions to reset it.

Adding Your Bank Account or Debit Card

Log into your PECO account and look for "Payment Methods" or "Manage Payment Methods" in the account settings or billing section. Click "Add Payment Method" and choose whether you want to pay from a bank account (checking or savings) or a debit card. PECO does not accept credit cards through bill pay.

If you choose a bank account, enter your routing number and account number (both appear on the bottom left of a check). PECO will verify the account by depositing two small amounts (usually under $1) into it within one to two business days. Log back in, confirm those amounts, and the account is verified and ready to use.

If you use a debit card, enter the card number, expiration date, and CVV. The card is usually ready to use when ready. You can add multiple payment methods and choose which one to use each time you pay.

Scheduling a One-Time Payment

Log in and find "Make a Payment" or "Pay My Bill." Enter the amount you want to pay (you can pay less than the full bill if you choose), select the payment method, and choose the date you want the payment to process. PECO's system will show you the date the money will leave your bank account.

Payments typically post within one to three business days of the date you select. If your bill is due on the 15th, schedule the payment for the 12th or earlier to give it time to arrive. Once you submit the payment, you will see a confirmation number on screen and in your email. Save this number in case you need to contact PECO about the payment later.

You can change or cancel a scheduled payment up until 11:59 p.m. Eastern Time on the business day before it is set to process. After that, the payment is locked in and will go through.

Setting Up Recurring Payments

If you want PECO to deduct the same amount on the same date each month, you can set up a recurring payment instead of scheduling each one individually. Log in, find "Recurring Payments" or "Autopay," and choose "Set Up Recurring Payment." Select your payment method, enter the amount, choose the date of the month you want it to process, and confirm.

Recurring payments will continue every month until you cancel them. You can change the amount or date anytime by going back to the recurring payment settings. If you want to skip a month, you can pause the recurring payment temporarily or cancel it and resume it later. Each month's payment will show up in your payment history with its own confirmation number.

What Happens If a Payment Fails

A payment can fail if your bank account or debit card has insufficient funds, the account is closed, or the card has expired. PECO will send you an email notification that the payment did not go through, usually within one business day. The failed payment will not be retried automatically, so you will need to schedule a new payment right away to avoid a late fee.

Check your bank account to make sure the money was not withdrawn (usually it is not if the payment failed), then log back into PECO and schedule the payment again using a different payment method if needed. If you see the payment was withdrawn but PECO says it failed, contact PECO's customer service to investigate — this is rare but can happen if there is a processing error on their end.

Tracking Your Payment History

Log into your PECO account and look for "Payment History" or "Recent Payments" in the billing section. You will see a list of all payments you have made, the date they were scheduled, the date they posted, the amount, and the confirmation number. Payments show as "Pending" until they post to your account, then they change to "Posted" or "Completed."

This history is useful if you need to prove you paid on time or if you are trying to figure out why a payment has not shown up yet. Keep confirmation numbers for at least one billing cycle in case you need to contact PECO about a specific payment. You can also read or print your payment history from this page if you need a record for your files.

Frequently Asked Questions

Can I pay my PECO bill with a credit card through bill pay?

No, PECO's bill pay system only accepts bank accounts and debit cards. If you want to pay with a credit card, you can call PECO's payment line at 1-800-334-7661 and pay over the phone, though there may be a fee for that service. Check PECO's website for current fees.

How long does it take for a payment to show up on my bill?

Payments typically post within one to three business days of the date you schedule them. Weekends and holidays do not count as business days, so if you schedule a payment for Friday, it may not post until Tuesday. You can see the expected posting date when you schedule the payment.

What if I scheduled a payment but now I do not have the money?

You can cancel the payment up until 11:59 p.m. Eastern Time on the business day before it is set to process. Log in, find the scheduled payment in your payment history, and click "Cancel." The payment will not go through and your bank account will not be charged.

Can I set up bill pay if I have a past-due balance?

Yes, you can use bill pay even if you owe money from a previous month. You can pay the past-due amount, the current bill, or any amount you choose. Payments are usually applied to your oldest debt first, so if you owe from two months ago, that gets paid before the current month's balance.

What should I do if my payment was withdrawn but PECO says it was not received?

Contact PECO's customer service at 1-800-334-7661 with your confirmation number and the date the payment was scheduled. They can investigate whether the payment is still processing or if there was an error. Do not schedule another payment until you confirm with PECO what happened, or you may pay twice.