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Frequently Asked Billing Questions

  • Do you offer convenient ways to pay my bill?

    Pay at our Offices:

    You may pay your electric bill or conduct business at our UCEMC district offices between 8 a.m. and 4:30 p.m. Monday through Friday, excluding observed holidays.

    Pay at our Drive Thru:

    The Drive-thru is available for bill paying only. You may pay with cash, check, or money order, and an account number or bill is required at the drive-thru.

    Pay by Night Depository:

    Bills may also be paid after office hours in the night depository at each district office. Payments do not post in real-time, and payments are posted the next business morning and backdated to the previous business day.

    Pay at the Bank:

    Payments can be made by check or money order (bill required) at the following participating banks:

    • First Freedom Bank, 376 West Jackson St., Cookeville, TN 38501
    • One Bank, 404 Main St., Baxter, TN 38544
    • First Freedom Bank, 614 West Main St., Algood, TN 38506
    • Citizens Bank, 116 South Grundy Quarles Hwy., Gainesboro, TN 38562
    • First Freedom Bank, 307 East Hull Ave., Gainesboro, TN 38562
    • American Bank and Trust, 808 West Main St., Livingston, TN 38570
    • One Bank, 1477 West Main St., Livingston, TN 38570
    • Regions Bank, 120 South Public Square, Smithville, TN 37166

    Payments made at banks do not post in real-time but will be posted as of the date stamped on the remit slip by the bank.

    Pay by Mail:

    Payments mailed in will be posted as of the postmark date stamped on the envelope by the post office.

    Pay at Kiosks:

    Payment Kiosks are available 24/7 at the following locations:

    • Carthage Corporate Office, 907 Main St. North, Carthage, TN 37030
    • Cookeville District Office, 1794 West Broad St., Cookeville, TN 38501

    Kiosks accept cash, check, and credit or debit card. Payments made at kiosks post immediately. Credit and debit card payments charge an additional 2.45%. Cash and check payments charge $0.50. Coins are not accepted, and the kiosk will not give change back.

    Pay by Phone:

    Payments may be made by phone at 800-261-2940 and by selecting Option 2 to pay bills or get account information. Account will automatically be looked up by the phone number you are calling from, provided that the same phone number is listed on your account. Listen to and follow instructions if you wish to pay on a different account. We can look up accounts with either an account number or the phone number associated with an account.

    You may pay with a credit or debit card for an additional 2.45% or e-check for an additional $1.00 per transaction. To pay by e-check over the phone, you must first set up a payment profile for the e-check account under Pay My Bill on the homepage. Payments made by phone will post immediately.

    Pay Online:

    You can make payments online at our Official website,, or our app, UCEMC. An online account must be created using your account number first, and a valid email address must be on file to complete the online account process. Call 800-261-2940 to speak with your district office to update or add an email address to your account. You may pay by debit or credit card for an additional 2.45% or e-check for $1.00 per transaction. Payments can be posted immediately or may be scheduled for a future date. You are recommended not to pay your bill through a DOX site, which poses as a UCEMC website. This website is not associated with UCEMC, will charge an additional fee, and might pay your bill late or not at all. Please use our OFFICIAL WEBSITE here at for all your UCEMC transactions for your safety and security.

    Pay by Autopay:

    You may also sign up for AutoPay through the website or app. AutoPay is available with an e-check, debit, or credit card. Auto payments will still be charged the additional fee (2.45% for debit or credit cards or $1.00 per e-check). You may schedule automatic payments for any date of the month. The Autopay date you choose must be scheduled before the billing due date to avoid late fees or service interruption. AutoPay is not available for our Power Your Way members.

    Pay by Bank Draft:

    Bank Draft is another auto-payment option. Bank Draft does not charge any additional fees. Once on Bank Draft, the bill amount will deduct from the checking or savings account provided on the billing due date. If the due date falls on the weekend or an observed holiday, the payment will draft the business day afterward. You must complete the Bank Draft form to begin. A voided check from the account you wish to draft will need to be attached to the completed form. If you do not have checks for your bank account, you may get a letter from your bank stating the account information (name, address, account type, routing number, and account number). The letter must be on bank letterhead and signed by a bank official. If you do not have your signature witnessed by a UCEMC employee, two forms of I.D. will need to be included to verify your identity. If you are drafting from an account with a different authorized user from your electric account holder, the authorized user of the bank account will have to be present in the office to sign or send in two forms of I.D. for verification. The bank draft is not available for our Power Your Way members.

    Pay Where you Shop:

    You can now pay where you shop (at participating locations) with UCEMC CheckOut. Learn more at Pay My Bill>Pay Where Your Shop.

    -Get the barcodeVisit and follow the instructions to download your barcode. Please print out the barcode or retain it on your mobile device.

    -Separate transaction. The UCEMC bill payment is a separate transaction, and your retailer scans the barcode at the register and completes the transaction before you can ring up other items. It’s quick and easy but is a separate transaction.

    -Find a store near you. Visit for store locationsBusiness chains such as CVS Pharmacy, Dollar General, 7Eleven, Walgreens, and Family Dollar are just a few businesses where you can pay your UCEMC bill while shopping. More than 50,000 retailers nationwide are participating in the CheckOut system.

    -Scan the barcode. As you pay for your goods in the checkout line, scan the barcode you’ve saved on your mobile phone or have printed it out.

    -At this time, UCEMC CheckOut only accepts cash payments. There is a $1.50 fee for using the service. UCEMC CheckOut locations cannot view or look up member account details.

    -Get real-time verification. Once your bill is paid, you’ll get real-time verification that your payment has been approved. UCEMC also receives verification, and your account is updated.

  • Why was my bill so much higher this month?

    When extreme temperatures are sustained over a long period, many members increase their energy consumption. Heating and cooling can account for more than half of a member’s electric bill. The HVAC unit is running longer during prolonged periods of extremely cold or extremely hot weather because it’s struggling to keep a comfortable temperature inside your home.

  • But I use gas to heat my home, why would the electric bill be high?

    Gas furnaces typically have blowers that are electric-powered, helping move the hot air through the ductwork. With extremely cold temperatures, those gas furnaces were running for long periods to help maintain the desired temperature inside. If you use an electric humidifier during the extreme cold to compensate for the extremely dry heat from your gas furnace, that could also add to increased electric consumption.

  • Do space heaters make my bill higher?

    Space heaters can heat a small area for a short time, but long-term use can lead to substantial energy consumption and cost. Check out our NEWS YOU CAN USE tab on the UCEMC website for the complete story.

  • Are rates higher than before?

    UCEMC is a member-owned, not-for-profit electric cooperative with rates approximately 20% lower than the national average. 82 cents of every dollar collected by UCEMC is paid to Tennessee Valley Authority (TVA) for power used by our members. The remaining 18 cents is used to operate the cooperative.

  • I'm signed up for a bank draft on my UCEMC account. Why does my bill show a "penalty" amount due if I don't pay the bill on time?

    If your electric bill is automatically drafted from your bank account, the transaction is completed each month on the due date. You will never be charged a penalty. HOWEVER, some UCEMC members utilize other ways to pay, which allow them to schedule their payment on a date they choose. The "penalty" amount on the bill reminds those members that any bill paid past the due date is subject to a late fee or penalty.

  • How do UCEMC’s rates compare to other utilities?

    UCEMC’s rates are about 20% below the national average. Our full rate structure can be viewed here:

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The Upper Cumberland Electric Membership Corporation operates its programs and services without regard to race, color, or national origin in accordance with Title VI of the Civil Rights Act of 1964. To request additional information on UCEMC’s Title VI nondiscrimination requirements, or if any person believes they have been aggrieved by an unlawful discriminatory practice under Title VI or other applicable law and would like to file a complaint, contact Kathy Sherfield at 800-261-2940, ext. 122, or email

Persons who do not speak or read English well may request language assistance, oral interpretation and/or written translation of this notice, at no cost. Contact Kathy Sherfield at 800-261-2940, ext. 122, or email