Log in to your TECO account to pay your bill

TECO Energy (Tampa Electric Company) lets you pay your bill through their website or mobile app without calling or mailing a check. You log in with your account number and a password you create, then choose your payment method and amount. The payment posts to your account within one to two business days, though the utility may take longer to show it reflected in your balance depending on your bank.

You do not need to be the account holder to pay a bill — anyone with the account number and access to a payment method can log in and pay. This means you can set up payments for a family member or rental property as long as you have those details.

Key Takeaways

  • Visit TECO's website at teco.com or read the TECO Energy mobile app to reach the login page.
  • Your username is your TECO account number (found on your bill), and you create your own password during first login.
  • You can pay with a bank account, debit card, or credit card, though credit card payments may carry a processing fee.
  • Payments typically post within one to two business days, so plan ahead if your due date is within that window.
  • You can set up one-time payments or recurring automatic payments through the same login portal.

Finding the TECO login page

Go to teco.com and look for a "Pay My Bill" or "Login" link, usually in the top right corner of the homepage. On mobile, read the official TECO Energy app from the Apple App Store or Google Play Store, then open it and tap the login option.

Do not use a search result that says "TECO login" without verifying the URL is actually teco.com. Scam sites sometimes appear in search results and ask for your account information to steal it. If you are unsure, call TECO directly at 1-888-891-8326 and ask them to confirm the correct web address.

Creating your login credentials

The first time you log in, you will need your TECO account number (printed on your bill) and your service address. TECO will ask you to create a username and password. Your username is usually your account number by default, but you can change it to something else if you prefer.

Your password should be at least 8 characters and include uppercase letters, lowercase letters, numbers, and a special character (like ! or @). Write it down somewhere safe, or use a password manager. If you forget it later, the login page has a "Forgot Password" link that will walk you through resetting it using your email address or phone number.

Choosing your payment method

Once you are logged in, select "Pay My Bill" or a similar option. TECO accepts payments from a bank account (checking or savings), a debit card, or a credit card. Bank account payments are usually free. Debit card and credit card payments may have a processing fee — TECO will show you the fee amount before you confirm the payment, so you can decide whether to proceed.

If you are paying from a bank account, have your routing number and account number ready. You can find these at the bottom left of any check, or log into your bank's website to locate them. For card payments, you will need the card number, expiration date, and CVV (the three-digit code on the back).

Entering the payment amount and date

After you choose your payment method, TECO will show your current balance and ask how much you want to pay. You can pay the full amount due, a partial amount, or more than you owe (the overpayment becomes a credit on your account). Enter the dollar amount you want to send.

Next, choose the payment date. If you select today or tomorrow, the payment will process right away. If you choose a future date, TECO will hold the payment and process it on that date. This is useful if you want to time the payment with your paycheck, but remember that the payment takes one to two business days to post after it processes, so do not schedule it for the day before your due date.

Confirming and tracking your payment

Review all the details — account number, amount, payment method, and date — before you submit. Once you confirm, TECO will show you a confirmation number. Write this down or take a screenshot. You will need it if you have questions about the payment later.

After you pay, log back into your account to check the status. Payments usually show as "pending" for a day or two, then change to "posted" once TECO has received the money. You can also set up email or text notifications so TECO tells you when your payment has posted. This is especially helpful if you pay close to your due date and want to confirm it went through in time.

Setting up automatic recurring payments

If you want TECO to withdraw your bill payment automatically each month, you can set up a recurring payment through the same login portal. Look for an option like "Autopay" or "Recurring Payments" and choose the amount (your full bill, a fixed dollar amount, or a percentage of your balance) and the date each month you want it to process.

You can change or cancel a recurring payment anytime by logging back in and editing your autopay settings. TECO will not charge you a cancellation fee. If you cancel, make sure you have another way to pay your bill so you do not miss a due date.

Frequently Asked Questions

What if I do not have an online account yet?

You can create one the first time you visit teco.com or open the app. You will need your account number (from your bill) and your service address. The setup takes about five minutes and you choose your own password during the process.

Can I pay my bill without logging in?

Yes. TECO has a "pay without login" option on their website where you enter your account number and amount, then choose your payment method. You will not be able to see your balance or payment history this way, but the payment will still post to your account.

Is there a fee to pay online?

Bank account payments are free. Credit card and debit card payments have a processing fee that varies depending on the card type and amount. TECO shows you the exact fee before you confirm, so you can decide whether to use a different payment method.

What if my payment does not show up after two business days?

Log into your account and check the payment status — it should say "posted" if TECO has received it. If it still shows "pending" or you do not see it listed, call TECO at 1-888-891-8326 with your confirmation number and they can look it up in their system.

Can I pay someone else's TECO bill?

Yes. You can log in with their account number and pay their bill using your own payment method. You do not need to be the account holder. Just make sure you have their correct account number before you start.