Pay your Kentucky American Water bill online, by phone, or by mail
Kentucky American Water serves customers across the state, and you have several ways to pay your bill each month. The fastest and most convenient method is online through the company's website or mobile app, where you can set up a one-time payment or enroll in automatic payments. If you prefer to speak with someone, you can call the customer service number on your bill. You can also mail a check to the address listed on your statement.
The method you choose depends on what works best for your routine and whether you want to pay immediately or schedule a payment for a future date. Most customers find that setting up automatic payments removes the worry of missing a due date, though you can always switch back to manual payments if you prefer to review each bill first.
Key Takeaways
- Online and mobile app payments process the same day if submitted before the cutoff time, usually around 5 p.m. on business days.
- Automatic payments withdraw money from your bank account on a date you choose each month, and you can cancel or change the date anytime.
- Phone payments require your account number and a debit or credit card, and a customer service representative will walk you through the process.
- Mail payments take 7 to 10 business days to reach Kentucky American Water, so send your check well before the due date shown on your bill.
- Late fees apply if payment is not received by the due date, regardless of when you sent it or which method you used.
Set up online or mobile app payments
Log into your account on the Kentucky American Water website or download the mobile app to your phone. You will need your account number, which appears at the top of your bill, and login credentials you created when you first set up your online account. If you have not created an account yet, you can do so on the website by entering your account number and other identifying information.
Once you are logged in, select the option to make a payment. You can choose to pay the full amount due, a partial amount, or a different sum. Enter your bank account or debit card information, and confirm the payment date. If you are paying immediately, the transaction will process the same business day if submitted before the cutoff time. If you schedule a payment for a future date, Kentucky American Water will process it on the date you selected.
To set up automatic payments, look for the "autopay" or "recurring payment" option in your account settings. Select the amount (usually the full bill), the date each month when you want the payment to come out, and the bank account or card to charge. You can change or cancel automatic payments at any time through your online account.
Pay by phone with a customer service representative
Call the customer service number listed on your bill to speak with a representative who can process your payment over the phone. Have your account number ready, along with a debit or credit card. The representative will ask you to confirm the amount you want to pay and the date you want it processed.
Phone payments are useful if you have questions about your bill or your account at the same time, or if you are not comfortable entering payment information online. The representative can also help you set up automatic payments by phone if you prefer not to do it yourself online.
Mail a check to Kentucky American Water
Write a check for the amount due and include your account number on the check itself. Place the check and your bill stub (if you have one) in an envelope and mail it to the address shown on your bill. Do not send cash through the mail.
Mail payments typically take 7 to 10 business days to arrive and be processed. To avoid a late fee, mail your payment at least 10 business days before the due date. If you are close to the due date, use online or phone payment instead to ensure Kentucky American Water receives your payment on time.
Understand due dates and late fees
Your bill shows a due date, which is the last day Kentucky American Water will accept payment without charging a late fee. The due date is usually about 20 to 25 days after the bill is issued. Late fees vary depending on your account and the amount owed, so check your bill or contact customer service for the exact fee that applies to you.
The due date is based on when Kentucky American Water receives the payment, not when you send it or when your bank processes it. If you mail a check, it counts as received on the day it arrives at the company's office, not the day you put it in the mail. This is why mailing a payment close to the due date is risky. If your payment does not arrive by the due date, you will be charged a late fee even if you mailed it on time.
What to do if you cannot pay your full bill
If you are struggling to pay your bill, contact Kentucky American Water customer service before the due date. The company may offer a payment plan that lets you spread the amount owed over several months. Payment plans typically require you to pay a portion of the current bill plus a portion of the past-due amount each month.
Kentucky American Water also has programs for customers facing hardship. Ask about the company's low-income assistance programs or whether you may be may be able to access for support through a local community action agency. These programs vary by region, so customer service can tell you what is available in your area.
Troubleshoot common payment problems
If you receive an error message when trying to pay online, clear your browser cache and try again. If the problem continues, try a different web browser or use the mobile app instead. If you are still unable to pay online, call customer service and ask for help or request to pay by phone.
If you paid online but your account still shows the payment as pending after 24 hours, log back into your account to check the payment status. Payments usually show as posted within one business day. If more than one business day has passed and the payment still shows as pending, contact customer service with your confirmation number from the payment receipt.
If you were charged a late fee but believe you paid on time, gather your payment confirmation (receipt number, date, and amount) and contact customer service. Explain when and how you paid, and provide your confirmation details. The company will review your account and may reverse the late fee if the payment was received by the due date.
Frequently Asked Questions
Can I pay my Kentucky American Water bill with a credit card online?
Yes, you can use a credit card to pay online or through the mobile app. Some credit card companies may charge a cash advance fee for utility payments, so check with your card issuer first. Debit cards and bank account transfers typically do not carry extra fees.
What time does Kentucky American Water stop accepting online payments each day?
Online payments submitted before the cutoff time, usually around 5 p.m. on business days, process the same day. Payments submitted after the cutoff or on weekends and holidays process on the next business day. Check your account or call customer service to confirm the exact cutoff time.
If I set up automatic payments, can I skip a month?
Yes, you can pause or cancel automatic payments anytime through your online account or by calling customer service. If you want to skip just one month, you can temporarily turn off autopay and then turn it back on the following month. Keep in mind that if you do not pay by the due date, a late fee will apply.
How do I know if my online payment went through?
After you submit an online payment, you will see a confirmation screen with a confirmation number. Save or print this confirmation for your records. You can also log back into your account to view your payment history and see the status of recent payments.
What should I do if I overpaid my bill?
If you paid more than the amount due, the extra amount will appear as a credit on your next bill. Kentucky American Water will apply the credit to your next month's charges. If you prefer a refund instead, contact customer service and request one.