Where and how to pay ComEd
ComEd offers several ways to pay your bill, and the fastest route depends on whether you want to pay right now or set up automatic payments. You can pay online through your ComEd account, by phone, by mail, in person at a payment center, or through automatic bank transfers. Each method has different timing — online and phone payments usually post within one business day, while mailed checks take 7 to 10 days to reach ComEd's processing center.
The method you choose affects when ComEd records your payment and whether a late fee applies if your due date is approaching. If your bill is due in the next few days, mailing a check is the riskiest option because ComEd counts the payment from the date they receive it, not the date you mail it.
Key Takeaways
- Online payment through your ComEd account or the ComEd mobile app posts within one business day and costs nothing.
- Phone payments (1-800-334-7661) work the same day you call, but you will need your account number and a bank account or debit card ready.
- Mailed checks take 7 to 10 days to process, so send them at least two weeks before your due date to avoid a late fee.
- Payment centers and authorized retailers accept cash and cards but are slower than online or phone options for most people.
- Automatic payments remove the risk of forgetting a due date, but you can pause or cancel them anytime through your account.
Paying online or through the ComEd app
Log into your ComEd account at comed.com or open the ComEd mobile app (available on iOS and Android). Click "Pay My Bill" and enter the amount you want to pay. ComEd accepts debit cards, credit cards, and bank account transfers. If you use a credit card, ComEd may charge a convenience fee — check the fee amount before you confirm the payment.
Online payments post to your account within one business day. If you pay on a Friday evening, the payment will not show as received until Monday. ComEd does not count a payment as late if it is submitted before 11:59 p.m. on your due date, even if it takes a day to process.
The ComEd app also lets you view your bill, check your account balance, and set up automatic payments from the same place. If you do not have an online account yet, you can create one at comed.com by entering your account number (found on your bill) and your service address.
Paying by phone
Call ComEd's automated payment line at 1-800-334-7661. You will need your account number and either a debit card, credit card, or bank account information. The system will ask you to confirm the amount and the payment date. Payments made by phone post the same day you call, so this is a good option if your due date is tomorrow.
ComEd also offers phone support with a representative if you have questions about your bill or account. Call the same number and select the option to speak with someone. Wait times vary, especially during the first week of the month when many people pay bills.
Paying by mail
Write a check or money order payable to ComEd and include your account number on the check. Mail it to the address printed on your bill — this address changes depending on which ComEd processing center handles your account, so always use the address on your current bill, not an old one.
ComEd's mail processing takes 7 to 10 business days from the date they receive your envelope. If your due date is fewer than 10 days away, mailing a check risks a late fee. To be safe, mail payments at least two weeks before the due date. Keep a copy of the check or take a photo of it before mailing as proof of payment.
Paying in person at a ComEd payment center or authorized retailer
ComEd has payment centers in Illinois where you can pay cash, debit cards, or checks in person. Find the nearest location at comed.com under "Payment Centers" or call 1-800-334-7661 for the address and hours. Payment centers accept payments during business hours, usually Monday through Friday.
You can also pay at authorized retailers like Jewel-Osco, Walgreens, and other grocery stores and pharmacies in ComEd's service area. These locations accept cash and debit cards but typically charge a convenience fee. Ask the cashier what the fee is before you pay. In-person payments post within one to two business days.
Setting up automatic payments
Automatic payments remove the risk of missing a due date. Log into your ComEd account, go to "Billing & Payments," and select "Automatic Payments." Choose whether you want to pay the full bill amount or a fixed amount each month. ComEd will deduct the payment from your bank account on your due date (or a date you choose).
You can pause or cancel automatic payments anytime through your account without penalty. If you want to change the payment amount or the date, update it in your account settings at least three business days before the next scheduled payment. ComEd will send you an email confirmation each time a payment is processed.
Automatic payments work best if your bill amount stays roughly the same month to month. If your usage varies widely (for example, if you heat with electric in winter), you may want to review the amount each month and adjust it manually rather than using a fixed automatic payment.
What to do if you cannot pay your full bill
If you cannot pay the full amount by your due date, contact ComEd before the due date passes. Call 1-877-411-2633 to speak with a representative about payment plans or hardship programs. ComEd offers extended payment arrangements that let you spread the balance over several months without a late fee, though interest may apply depending on your account status.
ComEd also has programs for customers with low income or those facing a temporary hardship. These programs may reduce your bill or help you catch up on arrears. The representative can tell you which programs you may be able to explore based on your situation.
Frequently Asked Questions
Does ComEd charge a fee to pay online?
No fee if you pay from a bank account. If you use a credit card, ComEd charges a convenience fee (the amount varies). Debit cards are usually treated like bank accounts and do not incur a fee, but confirm this when you start the payment.
What happens if I pay after my due date?
ComEd adds a late fee to your next bill. The fee amount depends on your bill size. If you are more than 30 days late, ComEd may disconnect your service. Contact ComEd immediately if you know you will be late so you can discuss a payment plan.
Can I pay someone else's ComEd bill?
Yes, if you have their account number. You can pay online, by phone, or by mail using their account number. The payment will be credited to their account. You do not need to be the account holder to make a payment.
How do I know if my payment was received?
Log into your ComEd account and check your payment history under "Billing & Payments." Online and phone payments show as received within one business day. Mailed checks may take 7 to 10 days to appear. You can also call 1-800-334-7661 to confirm receipt.
Can I set up automatic payments if I have a past-due balance?
Yes. You can set automatic payments for your current bill while you work out a plan for the past-due amount. Call 1-877-411-2633 to discuss a payment arrangement for the arrears, then set up automatic payments for future bills through your account.