Where to pay your NJ American Water bill
NJ American Water offers four main ways to pay your bill: online through their website, by phone, by mail, or in person at a payment center. The fastest and most convenient option for most people is online payment through their customer portal at njawaterco.com. You can set up a one-time payment or enroll in automatic monthly payments from a bank account or debit card.
If you prefer to pay by phone, call NJ American Water's customer service line at 1-800-272-1325. A representative can process your payment over the phone using a bank account, debit card, or credit card. Payment by phone typically takes effect within one business day.
For mail payments, send your check or money order to the address printed on your bill. Include your account number on the check. Mail payments take longer to process — usually 7 to 10 business days — so mail early if your due date is approaching.
Key Takeaways
- Online payment through njawaterco.com is the fastest method and lets you pay anytime without waiting for customer service hours.
- Phone payments at 1-800-272-1325 process within one business day and work with bank accounts, debit cards, or credit cards.
- Automatic monthly payments remove the risk of late fees by charging your bank account on the same day each month.
- Mail payments take 7 to 10 business days to reach NJ American Water, so plan ahead if your bill is due soon.
- Late fees apply if payment is not received by the due date shown on your bill, regardless of when you sent it.
Setting up automatic payments to avoid late fees
Automatic payments are the simplest way to ensure your bill is paid on time every month. You can set this up online through your account portal or by calling customer service. NJ American Water will charge your bank account or debit card on a date you choose — typically the same day each month.
Once automatic payments are active, you can still view your bill online and adjust the payment date if needed. If you want to cancel automatic payments, you can do so anytime through your online account or by calling 1-800-272-1325. There is no fee for setting up, using, or canceling automatic payments.
Creating and logging into your online account
To access your account online, go to njawaterco.com and click "Login" or "Create Account." If you are a new customer, you will need your account number (found on your bill) and your service address. The registration process takes about five minutes.
Once logged in, you can view your current and past bills, see your usage history, report a leak or water quality issue, and update your contact information. You can also download or print bills for your records. If you forget your password, use the "Forgot Password" link on the login page to reset it by email.
What to do if you cannot pay your full bill on time
If you are having trouble paying your water bill, contact NJ American Water before your due date. The company offers payment arrangements that let you spread your balance over several months. Call 1-800-272-1325 to discuss options with a representative.
NJ American Water also has a Customer Assistance Program for households with limited income. This program may reduce your monthly bill based on your household size and income. You can learn more about this program by calling the same number or visiting the company website.
Late fees are added to your account if payment is not received by the due date. The sooner you contact the company, the more options you may have to avoid these charges.
Understanding your bill and payment due dates
Your NJ American Water bill shows the amount due and the due date near the top of the first page. The due date is typically 20 to 25 days after the bill is mailed. Payment is considered on time if NJ American Water receives it by 5 p.m. on the due date.
Your bill also shows your account number, service address, current charges, and a breakdown of what you are paying for — usually water service, sewer service, and any applicable taxes or fees. If you have questions about specific charges, you can call customer service or check your online account for a detailed usage history.
Payment methods and fees
NJ American Water does not charge a fee for online payments made through their website or for payments made by phone using a bank account. However, if you pay by credit card (rather than debit card), a third-party processor fee may apply — the company will disclose this fee before you complete the transaction.
Payments by mail are free, but they take longer to process. In-person payments at NJ American Water offices are also free. Check the company website for the location and hours of payment centers near you.
Frequently Asked Questions
How long does it take for an online payment to show up on my account?
Online payments typically post to your account within one business day. If you pay after 5 p.m., it may not process until the next business day. You can check the status of your payment in your online account or by calling customer service.
Can I pay my NJ American Water bill through my bank's bill pay service?
Yes. If your bank offers bill pay, you can set up NJ American Water as a payee and send payments that way. Make sure to include your account number so the payment is credited correctly. Mail payments through your bank may take 7 to 10 days to arrive.
What happens if I miss my due date?
A late fee is added to your account if payment is not received by the due date. The amount of the late fee varies. If you miss a payment, contact NJ American Water right away to discuss a payment plan or to find out about assistance programs.
Can I change my automatic payment date?
Yes. Log into your online account and adjust the payment date in your account settings, or call 1-800-272-1325 to have a representative change it for you. Changes usually take effect within one to two business days.
Is there a way to lower my monthly bill?
NJ American Water's Customer Assistance Program may reduce your bill if your household income is below a certain threshold. You can also lower your bill by reducing water usage — check your online account for tips on water conservation and a comparison of your usage to similar homes in your area.