How to Pay Your Electric Bill Online at Southwest Tennessee EMC

Southwest Tennessee Electric Membership Corporation (STEMC) provides electric service to homes and businesses in parts of western Tennessee. If you have an account with STEMC, you can easily pay your electric bill online through their website. Read on for a complete guide to setting up an online account and making quick payments to STEMC.

About Southwest Tennessee EMC

STEMC is a member-owned electric cooperative based in Brownsville TN. As a co-op, they are governed by a Board of Directors elected from the membership. STEMC provides electricity to over 22,000 homes farms, and businesses in Fayette, Hardeman, Haywood, Madison, and Tipton counties.

Some key facts about Southwest Tennessee EMC

• Founded in 1936
• Not-for-profit cooperative
• Over 3,100 miles of power lines
• Reliable service 24/7
• Competitive electric rates
• Award-winning customer service

STEMC offers programs and incentives for energy efficiency, outdoor lighting, surge protection, and renewable power. They also partner with Aeneas to provide high-speed internet and phone service in parts of their service area.

Pay Online at My Quick Pay

To easily pay your STEMC electric bill online, use their My Quick Pay portal:

https://www.stemc.com/my-quick-pay/

This is the fastest and most convenient way to view your balance and make secure payments. Here’s how to get started with online bill pay:

Set up your online account

1. Go to www.stemc.com/my-quick-pay and click “Login” in the top right.

2. Click “Sign Up” to create a new account.

3. Enter your STEMC account number, email, and phone number. Create a password.

4. Agree to the terms of use and click “Register.”

5. Check your email for a verification link to complete registration.

Once your account is activated, you’ll have full access to the member portal to manage payments.

Features of My Quick Pay

With your STEMC online account, you can:

• Check your current balance
• View billing history
• Make a payment
• Set up recurring payments
• Go paperless with e-bills
• Report outages
• Update account info
• And more!

It’s fast, easy, and secure. Your information is protected by encryption and security protocols.

Payment options

My Quick Pay gives you multiple ways to pay your STEMC electric bill:

• Debit or credit card
• Electronic check from checking/savings
• AutoPay – recurring payments from bank account

Credit/debit card payments have a $3.95 fee per transaction.

eCheck payments directly from your bank account are only $1.95 and the lowest cost option.

Payment receipts

After paying, you’ll receive a confirmation email with transaction details. Your account page will also show your updated balance and payment history.

Print or save receipts anytime for your records. Payments post to your STEMC account quickly but may take 1-2 days to process with your bank.

Pay by Phone

Call STEMC at 866-539-6185 to pay your electric bill over the phone. Available 24/7.

Let the agent know your account number, name, and address. Have your payment info ready. Accepted methods are debit/credit cards and eCheck.

Phone payments process immediately. However, you’ll need to call each time to pay your bill instead of having an online account.

Pay by Mail

To pay your STEMC bill by mail, send a check or money order to:

Southwest Tennessee EMC
P.O. Box 88
Brownsville, TN 38012

Write your 13-digit STEMC account number on the payment. Standard mail takes 7-10 days to reach the PO box and process, so mail early to avoid late fees.

Paying by mail provides a payment record but takes more time vs. electronic payments. Consider going paperless with the online member portal.

Pay Locally

For in-person bill payment, bring your STEMC bill to one of their local offices during business hours:

• Brownsville – 124 W Main St
• Selmer – 365 S. Park Ave
• Alamo – 205 S Bells St

Cash, check, money order, and credit/debit cards are accepted. Get same-day payment processing and a receipt.

This is a good option if you prefer face-to-face customer service when paying your electric bill.

Automatic Payments

For easy, worry-free bill payment, sign up for AutoPay through My Quick Pay. Choose to have your payment automatically deducted from your bank account each month on your due date.

On the scheduled date, STEMC will withdraw your payment directly from your checking or savings account. You’ll avoid late fees and save time.

Log in anytime to view upcoming scheduled payments. Adjust the date or amount as needed. AutoPay ensures your electric bill always gets paid on time.

Get Payment Assistance

STEMC offers payment arrangements if you are struggling to pay your electric bill. Payment extensions buy you more time to pay the full amount.

Based on your situation, STEMC may allow:

• Reduced down payment
• Installment plan with smaller payments over several months
• Matching payment program
• Budget billing to even out seasonal highs/lows
• Waiver of late fees

Contact STEMC to explain your financial hardship and work out a reasonable payment solution. Keep your account current to avoid disconnection.

Avoid Disconnection

If your STEMC account becomes past due and out of balance, you may receive a disconnection notice. Reasons for disconnection include:

• Failure to pay
• Not honoring a payment agreement
• Nonpayment of deposit
• Safety issues
• Theft/fraud

To restore power and avoid cutoff:

• Pay the past due amount immediately
• Set up a payment arrangement
• Provide proof of financial hardship

Disconnection can happen as soon as 5 days after receiving a cutoff notice. Avoid the hassle and expense by keeping your electric account current.

Check Your Usage

Log in online anytime to view your daily electric usage and track patterns. This helps detect issues like power leaks or spikes.

Monitoring your usage can also help reduce your bill. Look for ways to lower consumption like switching light bulbs, raising your thermostat temp, or using major appliances less during peak hours.

STEMC also offers a FlexPay program for prepaid electric service based on actual usage. It helps take the guesswork out of budgeting for your bill.

Contact STEMC

If you have any questions about your electric service, bill payment, or account status, contact Southwest Tennessee EMC:

• By phone 24/7 at 877-777-9020
• Email [email protected]
• Chat with Virtual Assistant Annie
• Visit local offices in Brownsville, Selmer, or Alamo

Check the STEMC website for the most up-to-date contact info and hours. Stay in touch to avoid any billing issues or confusion.

Paying your electric bill on time is important to maintain service with STEMC. Sign up for My Quick Pay to conveniently manage payments online. STEMC offers flexible options to suit your needs, including recurring bank drafts for automated payments.

Keep your account current to avoid late fees, disconnection, and damage to your credit. Monitoring your usage through the STEMC portal can also help control costs. Maintain open communication with their customer service team if you need payment assistance. Consistent on-time payments will ensure reliable electric service from Southwest Tennessee EMC.