As a Middle Tennessee Electric (MTE) member you have several convenient options to pay your electric bill each month. Whether online through the app, by phone, mail, or in-person, MTE aims to make bill payment quick and easy. Read on for a breakdown of all your bill pay choices as an MTE customer.
Online Account and Payments
The fastest way to pay is through your online MTE account. To get started:
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Go to MTEcom and click on “My Account”
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Register for an online account with your account number last name and email.
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Once registered, you can sign in anytime to view your balance and make payments.
Under the “Billing & Payments” section, select “Make Payment” to pay your total amount due. Enter debit/credit card info or bank account for eCheck. The payment will instantly process and your account balance will update.
I love the convenience of paying online anytime, day or night. It only takes a few minutes to log in, submit payment, and get email confirmation.
myMTE App
The free myMTE app also allows online account access and bill pay by mobile device. Download the iOS or Android app and register with your MTE account details.
To pay within the app:
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Tap the “Billing & Payments” tab
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Choose “Make Payment” and enter payment amount
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Input card details or bank info and submit
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Payment will instantly apply to your account
The app also includes account management, usage tracking, outage reporting, and more. Paying through myMTE is fast and easy whether on your computer or phone.
Pay by Phone
If you prefer to speak with someone, MTE’s automated phone system allows secure payment by phone at any time.
To use the IVR (interactive voice response) system:
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Call 1-877-777-9020
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Choose the “Make a Payment” option
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Enter your 10-digit account number
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Follow prompts to enter payment info through automated system
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Payment will immediately process to your account
Talking through the payment process is convenient for many members. The IVR system is available 24/7 so you can pay your bill whenever works for you.
Pay by Mail
Paying by check through the mail is still an option as well. Simply:
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Write check or money order payable to Middle Tennessee Electric
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Include payment stub from your bill to ensure proper account credit
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Mail to MTE HQ at PO Box 330008, Murfreesboro, TN 37133
While slower than online payments, paying by mail allows you to send a physical payment easily. Just be sure to mail at least 5 business days before your due date to ensure on-time delivery.
Pay In-Person
Lastly, you can pay in cash, check, or card at any MTE local office during business hours. MTE has seven offices located across Middle Tennessee that accept walk-in payments:
- Murfreesboro Headquarters
- Lebanon
- Woodbury
- McMinnville
- Shelbyville
- Fayetteville
- Columbia
Visit an office near you to pay your bill in-person. Some locations also have 24/7 drive-thru payment drop boxes to safely leave checks or money orders after hours.
Paying at an MTE office lets you handle payment face-to-face and get immediate help with any account questions.
Payment Methods
MTE offers several ways to pay each month:
- Credit/Debit Card – Visa, Mastercard, American Express, Discover
- eCheck – Free bank account transfers
- Cash – Accepted at MTE offices and Moneygram
- Check – Mail paper checks or pay at office
- PrePay – Pay-as-you-go account balances
Choose the most convenient option each month whether online, phone, mail, or in-person.
Account Management Tools
In addition to flexible payment choices, MTE provides account tools like:
- Usage tracking – Monitor daily electric use
- Billing history – Review previous statements
- Levelized billing – Consistent monthly payments
- Notifications – Payment reminders and past due alerts
- Autopay – Set up automatic payments
Leverage these options for easier account management alongside quick bill pay.
Avoid Late Fees
I recommend paying your MTE bill before the due date to avoid a $5 late fee applied to past due balances. With so many choices – online, phone, app, mail, or office – it’s easy to pay on time.
Other tips to avoid late fees:
- Set up autopay or recurring payments
- Sign up for due date reminders
- Pay early on weekends/holidays
- Monitor account balance through the app
But if a late fee ever occurs accidentally, call MTE as they may waive the fee in applicable situations.
Payment Assistance Programs
If you are ever struggling financially, MTE offers programs to help including:
- Payment arrangements – Set up a payment plan
- LIHEAP – Federal heating bill assistance
- Project Help – Community charity grants
- Budget billing – Even out monthly payments
Contact Member Services to learn more about bill help if needed. Their team can find a solution tailored to your situation.
Contact Member Support
Reaching out to MTE Member Support is easy for any questions on billing and payment options:
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Call 1-877-777-9020
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Email support at [email protected]
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Chat live on MTE.com
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Visit one of seven local offices
The knowledgeable staff provides friendly assistance. Let them know if you ever need guidance on electric rates, charges, payments, budget billing, financial assistance, and more.
Flexible, Convenient Bill Pay
As a member-owned cooperative, MTE strives to make bill payment straightforward and work for your lifestyle. I appreciate the range of choices – pay anytime online or through their app, by phone, at a Moneygram, via mail, or in-person. The secure options allow me to pay my MTE electric bill quickly and easily each month. I recommend signing up for an online account to access convenient digital account management and bill pay tools in one place. But you can always call Member Services if any billing or payment issue arises. MTE offers billing flexibility and great service for an exceptional member experience.
Customized billing options are offered to fit your lifestyle.
MTE always seeks to improve the member experience. This is why several convenient billing options are offered to fit your lifestyle or financial situation. These billing options are available for most budgets, are easy to understand and easy to use.
Levelized Billing is calculated by taking an average of the previous 12 months of electricity billing. Bills then adjust every month but are always based on the preceding 12-month average, which allows members to have a more consistently priced bill even during high-energy-consumption seasons. By reducing the variation in monthly bills, members can more accurately budget each month. This is perfect for members who want to smooth out the peaks and valleys in billing. The option does fluctuate slightly each month to account for energy consumption.
Levelized Billing is only available for residential members. To learn more or find out if you qualify, contact MTE at 877-777-9020, through a local area office, or our contact form.
Fixed Budget Billing allows members to pay fixed amounts each month calculated on their previous 12-month consumption. No matter your energy consumption, you’ll be charged the same amount on your monthly bill. Once a year, your account will be “settled up” and either a credit issued (if you’ve over-paid) or an adjustment added (if you’ve underpaid) based on actual use the previous 12 months. Its another convenient billing option for members, especially those who want a consistent monthly payment. Don’t forget that on an annual basis, you’re required to settle the amount of unused or overused energy consumption.
This option is only available for residential members. To learn more about how to sign up or if you qualify, contact MTE at 877-777-9020, a local area office, or through our contact form.
Prepay allows you to add money to your account before you the electricity is consumed, and well calculate your usage each day and deduct your consumption from your accounts balance. This option is great for those who want to pay for their electricity as they go or avoid paying a deposit when establishing membership. Prepay allows you to add money through the myMTE app, over the phone, through Money Gram, or by stopping by one of our seven local offices. If youve already signed up and are looking for the terms and conditions, just click here.
This option is only available for residential members. To learn more about how to sign up or if you qualify, contact us at 877-777-9020, a local area office, or through our contact form.
Traditional billing is how members have paid for electricity for more than 80 years. At the end of your billing cycle, you pay for the energy consumed. This is great for those who arent looking for a change and want to simply pay for what they use.
MTE exists to make life better for our members. We understand how electricity brings you light, comfort, and connection. We also understand how important it is to remain affordable, reliable, safe. Our members often ask us questions about their bills, and weve compiled the most frequent ones below.
If you have any questions, comments, or concerns, please reach out to us at 877-777-9020, by stopping at a local office, or through our contact form.
myMTEMC How To Guide – Pay Your Bill via Web Portal
FAQ
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