What RMU Bill Pay is and how to use it
RMU Bill Pay is the online payment system run by Rocky Mountain Utilities, a rural electric cooperative. You can pay your electric bill through their website or by phone without visiting an office in person. Payments go directly to your account and typically post within one to two business days.
To pay online, you log into your RMU account at their website, enter the amount you want to pay, and choose a payment method — debit card, credit card, or bank account transfer. You'll see the payment date before you confirm. If you pay by phone, you call their customer service line and provide the same information to a representative.
RMU also accepts payments by mail if you prefer not to use the internet. You write a check, include your account number on the check, and mail it to the address printed on your bill. Mail payments take longer to reach the utility — typically five to seven business days — so plan ahead if your due date is soon.
Key Takeaways
- RMU Bill Pay lets you pay your electric bill online, by phone, or by mail without a fee for bank account transfers.
- Online and phone payments usually post within one to two business days, while mailed checks take five to seven days.
- Credit and debit card payments through RMU's system may carry a processing fee that varies by payment method.
- You need your RMU account number and either a bank account or card number to pay online or by phone.
- If you miss a payment, RMU typically sends a late notice before disconnecting service, but the timeline depends on your state's utility rules.
Payment methods and any fees involved
RMU accepts four main payment methods, and the cost to you depends on which one you choose. Bank account transfers (also called ACH or electronic check) are free and are the cheapest way to pay if you have a checking or savings account. The payment posts in one to two business days.
Debit and credit card payments carry a processing fee. The exact amount varies — some processors charge a flat fee per transaction, others charge a percentage of your bill. You'll see the fee amount before you confirm the payment, so you can decide whether to use the card or switch to a bank transfer instead.
Mailed checks have no fee but take the longest. Write your account number on the check, include it in an envelope with your bill stub if you have one, and mail it to the address on your bill. The payment won't post for five to seven business days, so send it early if your due date is within two weeks.
Phone payments work the same way as online payments — you can use a bank account transfer for free or pay a fee to use a card. Call the number on your bill to reach RMU's payment line.
How to set up automatic payments
RMU allows you to set up automatic monthly payments so you don't have to remember to pay each month. You choose a payment date, usually between the 1st and the 28th, and the utility withdraws the amount from your bank account on that date every month.
To set up autopay, log into your RMU account online and look for the autopay or recurring payment option. You'll enter your bank account information and choose the amount — either a fixed dollar amount or the full bill amount each month. Once you confirm, the payment starts on the date you selected.
You can change or stop autopay anytime through your account. If you need to pause payments temporarily or adjust the amount, log back in and update your settings. If you stop autopay, you'll need to pay manually again, so make a note of your due date.
What happens if you miss a payment or pay late
If your payment doesn't arrive by the due date, RMU sends a late notice. The notice tells you how many days you have to pay before the utility can disconnect your service. The exact number of days varies by state — some states require utilities to wait 30 days after the due date, others allow shorter windows.
Late payments may also trigger a late fee added to your next bill. The amount depends on RMU's tariff (the official rate schedule filed with your state's utility commission). Check your bill or RMU's website to see what the late fee is in your area.
If you can't pay the full amount by the due date, contact RMU before the due date passes. Many utilities offer payment plans that let you split the bill into smaller amounts over several weeks. RMU may also have hardship programs if you're facing a temporary financial crisis — ask when you call.
If your service is disconnected for non-payment, you'll need to pay the full past-due amount plus a reconnection fee to restore power. Reconnection can take one to three business days depending on whether a technician needs to visit your meter.
Comparing RMU Bill Pay to other payment options
RMU Bill Pay is the utility's own system, so it's the fastest and most direct way to pay. Payments post in one to two business days, and you have a record of every payment in your online account. There's no middleman, so the only fees are the ones RMU charges for card payments.
You can also pay through a third-party bill payment service — your bank's bill pay feature, for example, or a service like PayPal. These services mail a check on your behalf, so the payment takes five to seven days to arrive, the same as mailing a check yourself. You may pay a small fee to the third-party service, though many banks include bill pay for free.
Paying in person at an RMU office or an authorized payment location (like a grocery store or check-cashing service) is an option if you don't have internet access or prefer to hand over cash. Call RMU to find the nearest location and ask whether they accept cash, checks, or cards. In-person payments usually post the same day or the next business day.
How to find your RMU account number and due date
Your RMU account number appears on every bill you receive — it's usually printed near the top or in a box labeled "Account Number" or "Service Account." You'll need this number to pay online, by phone, or by mail. If you've lost your bill, you can find your account number by logging into your online account or calling RMU's customer service line.
Your due date is also on your bill, printed near the amount owed. Most utilities give you 20 to 30 days from the bill date to pay. If you're not sure when your due date is, check your most recent bill or log into your account online.
If you don't have online access yet, you can create an account on RMU's website. You'll need your account number, the service address, and a phone number or email to set up your login. Once you're registered, you can view your bill, see your payment history, and pay anytime.
Frequently Asked Questions
Can I pay my RMU bill with a credit card without a fee?
No. RMU charges a processing fee for credit card payments. The fee amount varies depending on the card type and RMU's processor. You'll see the exact fee before you confirm the payment. Bank account transfers are free if you want to avoid the fee.
How long does it take for an online payment to show up on my account?
Online payments through RMU's system typically post within one to two business days. If you pay on a Friday evening, the payment may not post until Monday or Tuesday. Check your account online to confirm the payment went through.
What should I do if I can't pay my full bill by the due date?
Contact RMU before your due date and ask about a payment plan. Many utilities let you split the bill into smaller payments over two to four weeks. If you're facing hardship, ask whether RMU has a low-income program or crisis assistance that might help.
Can I pay my RMU bill with cash?
Yes, if you pay in person at an RMU office or an authorized payment location. Call RMU to find the nearest location that accepts cash payments. Online and phone payments require a bank account or card.
What happens if I set up autopay but then want to change the payment amount?
Log into your RMU account and update your autopay settings. You can change the amount, the payment date, or stop autopay entirely. Changes usually take effect on your next scheduled payment date.