CCMUA bill pay lets you settle your water and sewer charges through their website, by phone, or by mail — each method has different timing and what you need to have ready

The Camden County Municipal Utilities Authority (CCMUA) serves water and sewer customers across parts of New Jersey. To pay your bill, you can use their online portal at www.ccmua.org, call their payment line, mail a check, or pay in person at their office. The fastest way is online, where payments post within one to two business days. The safest way to avoid late fees is to set up automatic payments from your bank account, which CCMUA processes on a schedule you choose.

Your bill arrives by mail or email depending on how you signed up. It shows your account number, the amount due, and the due date — usually 20 days from the bill date. If you miss the due date, CCMUA adds a late charge. Paying online or by phone on the due date itself still counts as on time, but mailed checks can take five to seven days to arrive, so mail payments need to leave your hand earlier.

Key Takeaways

  • Online payment through www.ccmua.org is the fastest method and posts within one to two business days, with no fee for standard processing.
  • Automatic bank payments set up through the CCMUA website remove the risk of forgetting a due date and late charges.
  • Mailed checks must be postmarked at least five to seven days before the due date to arrive on time and avoid a late fee.
  • Your account number appears on your bill and is required for any payment method except automatic bank draft.
  • CCMUA's office accepts in-person payments during business hours, and their phone payment line operates during extended hours on weekdays.

Paying online through the CCMUA website

Go to www.ccmua.org and look for the "Bill Pay" or "Pay My Bill" link, usually on the homepage or under a "Customer Service" section. Click it and enter your account number (found on your bill) and either your zip code or the service address. The system will pull up your account and show your current balance and due date.

You can pay with a debit card, credit card, or bank account. Credit and debit card payments may carry a processing fee — CCMUA's website will show you the exact amount before you confirm. Bank account payments (ACH transfers) typically have no fee. Choose your payment date — you can pay immediately or schedule it for a future date up to your due date. Review the amount and confirm. You will receive a confirmation number on screen and by email.

Setting up automatic payments to avoid missed due dates

Automatic payments remove the step of remembering to pay each month. Log into the CCMUA website, find the autopay or recurring payment section, and link your bank account. You will need your routing number and account number, which you can find on a blank check or by calling your bank. CCMUA will ask you to choose a payment date each month — many customers pick a date shortly after they receive their paycheck.

CCMUA will draft the amount due from your account on the date you select. If your bill amount changes month to month (which it usually does for water), the draft adjusts automatically. You can pause, change the date, or cancel autopay anytime through your online account. If you cancel, you are responsible for paying manually again, so set a reminder on your phone or calendar.

Mailing a check or money order

Write your account number on the check or money order. Address it to the address shown on your bill — CCMUA's mailing address is typically listed on the back of your bill or on their website under "Pay by Mail." Mail it at least five to seven days before the due date to account for postal delivery time. CCMUA processes mailed payments when they arrive, so a check that arrives after the due date will be marked late even if you mailed it on time.

Keep a copy of the check or a photo of the front and back for your records. If you are concerned about whether it arrived, you can call CCMUA's customer service line and ask them to confirm receipt once a few days have passed.

Paying by phone or in person

CCMUA's automated phone payment line accepts debit and credit card payments. Call the number listed on your bill or on their website. Have your account number and card ready. The system will confirm the amount, payment date, and a confirmation number. Phone payments are processed the same day and post within one to two business days.

If you prefer to pay in person, CCMUA's office accepts cash, check, debit card, and credit card during business hours. The office address and hours are on your bill and on www.ccmua.org. In-person payments are posted immediately to your account, so you leave with a receipt showing the transaction.

What to do if you cannot pay by the due date

Contact CCMUA's customer service before the due date if you know you will miss it. Explain your situation — some utilities offer short payment extensions or payment plans for customers facing hardship. CCMUA may be able to delay the late fee or set up a plan where you pay part of the bill now and the rest over the next month or two. The sooner you call, the more options they may have.

If you have already missed the due date and received a late fee, you can still call and ask whether they will remove it. Some utilities will waive a first late fee or reduce it if you have a good payment history. There is no harm in asking, and the worst they can say is no.

Understanding your bill and account number

Your CCMUA bill shows your account number in the upper right or left corner — it is usually a six to ten digit number. This number is required for any payment method except automatic bank draft. The bill also shows your service address, the billing period, the amount due, and the due date. Water charges are listed separately from sewer charges, and some bills include stormwater fees depending on your location.

If you cannot find your account number or bill, log into the CCMUA website with your service address and zip code, or call customer service. They can look up your account and email or mail a copy of your bill. Keeping a copy of your most recent bill in a safe place makes future payments faster.

Frequently Asked Questions

What happens if I pay late?

CCMUA adds a late fee to your account if payment is not received by the due date. The fee amount varies but is shown on your bill. If you pay within a grace period (usually a few days), some utilities waive the fee — check your bill or call to ask. Repeated late payments can result in service disconnection after proper notice.

Can I set up autopay and still see my bill before it is drafted?

Yes. CCMUA sends your bill by mail or email before the autopay date, so you can review the charges. If the amount seems wrong, contact customer service before the draft date to dispute it or pause the payment. Once the draft processes, you can request a refund if there was an error.

Is there a fee for paying online with a credit card?

CCMUA's website will show you any processing fee before you confirm payment. Credit card fees are typically higher than debit card or bank account fees. If you want to avoid fees, use a debit card or link your bank account for ACH transfer, which usually has no charge.

What if my check gets lost in the mail?

If more than two weeks have passed since you mailed it and CCMUA has not posted it, call customer service with the check number and amount. They can search their records. If it is truly lost, you may need to stop payment on the original check and send a new one, or pay online or by phone to avoid a late fee while you investigate.

Can I pay someone else's CCMUA bill?

Yes, if you have their account number and service address. You can pay online, by phone, or by mail using their information. The payment will post to their account. If you are paying regularly for someone else, ask CCMUA whether you can be added as an authorized payer so you can manage the account online.