A Guide to Paying Your Southwest Arkansas Electric Bill

As a customer of Southwest Arkansas Electric Cooperative (SWAECC), having an easy electricity bill payment process is essential SWAECC offers multiple convenient ways to view and pay your electric bill each month Whether you prefer paying online, on the SWAECC app, by phone, in person, or by mail, they’ve got you covered. This guide will walk through the various payment options available and how to use each one to pay your SWAECC electric bill with minimal hassle.

Benefits of Paying Your Bill on Time

Before getting into the payment details, let’s review why it’s important to pay your SWAECC electricity bill by the due date:

• Avoid late payment fees – SWAECC tacks on a 5% penalty for overdue bills, This adds up fast

• Prevent service disconnection – If your bill goes unpaid after multiple late notices, your power can be disconnected which involves hefty reconnect fees.

• Maintain a positive payment history – On-time payments keep your SWAECC account in good standing.

• Support your local co-op – SWAECC is a member-owned co-op that depends on customer bill payments to operate.

• Access billing programs – Payment history impacts eligibility for SWAECC billing assistance programs.

So be sure to pay your electric charges in full each month before the deadline. Now let’s look at the the easiest ways to do it.

Paying Your SWAECC Bill Online

The fastest and most convenient way to pay is through SWAECC’s online bill pay system – SmartHub. You can access it from your computer or the SmartHub mobile app. Here’s how it works:

1. Go to www.swrea.com and click “Pay Bill” or download the app.

2. Click “Pay Now” for registered users or “Register” to create an account.

3. Select your payment amount and method – credit/debit card or bank draft.

4. Enter your payment details and submit.

5. Payment will instantly process and your account will update.

You’ll receive emailed receipts for your records. SmartHub also allows you to view billing history, set up automatic payments, monitor usage, report outages, and more.

Paying Your Electric Bill on the SWAECC Mobile App

In addition to the online portal, SWAECC has a free mobile app for fast, on-the-go bill payment. Just download the “SWAECC” app from your device’s app store. You can:

• Pay your bill immediately with stored payment methods

• View current and past bills

• Monitor real-time usage

• Report outages with your phone’s location services

• Access important account info and notifications

The app makes managing your electric account incredibly convenient wherever you are.

Paying by Phone

To pay your SWAECC electricity bill over the phone, call 1-800-782-2743. The automated system will guide you through the process. Have your account number, amount due, and payment details ready.

You can use credit/debit cards, checking account, or savings account to pay by phone. Your payment will immediately process to avoid late fees. If you need help from a representative, they are available 8am-5pm on weekdays.

Paying in Person at SWAECC Offices

SWAECC has several local offices where you can pay your electric bill in person. Visit during business hours or use the 24/7 payment kiosks.

Texarkana Office

2904 E 9th St
Texarkana, AR 71854
Payments accepted: Monday-Friday 8am-5pm

Other Branch Locations

Bradley, Nashville, De Queen
Payments accepted: Monday–Friday 8am–5pm

All locations accept cash, checks, money orders, and credit/debit cards. Drive-thru services are available for fast, convenient payments.

Paying by Mail

To pay your SWAECC electricity bill by mail, detach the payment stub from the bottom of your paper statement and enclose it with a check or money order payable to SWAECC. Standard mail payments take 5-7 days to process so mail at least one week before your due date to avoid late fees. Send payments to:

SWAECC
PO Box 5130
Texarkana, TX 75505-5130

Keep your mailed payment receipt or request return confirmation to have proof of mailing.

Setting Up Automatic Payments

The easiest way to ensure your SWAECC electric bill gets paid on time every month is by setting up automatic payments through SmartHub. Here’s how to get started:

1. Log into SmartHub and click “AutoPay Program” under “My Profile.”

2. Select “AutoPay Enrollment” and choose your payment method.

3. Pick the payment date that works best for you.

4. Agree to the terms and submit your enrollment form.

Your bill will now automatically be paid from your selected account each month on the selected date. You can still log in to view your bill amount and details before the payment processes. Avoid late fees forever by making automatic payments!

Budget Billing to Even Out Payments

SWAECC offers Budget Billing to even out electric costs throughout the year into consistent monthly payments. This helps avoid surprise spikes in summer and winter. To enroll:

• Have 12 months of billing history with no past due amounts.

• Call SWAECC to request Budget Billing enrollment.

• Your payment will level out based on a 12-month average usage.

• Your account will be reviewed and adjusted quarterly as needed.

Budget Billing prevents payment surprises while still ensuring you pay the correct annual amount.

Payment Extensions and Assistance

If you’re struggling to pay your SWAECC bill on time, call them as soon as possible to discuss payment extension options and assistance programs that you may qualify for:

• Due date extensions – Get an extra 10 days to pay without fees.

• Payment arrangements – Set up a payment plan to pay your bill in installments.

• Low-Income Home Energy Assistance Program (LIHEAP) – Provides bill payment assistance for households under certain income limits.

• Operation Round Up – Funds to cover small past due amounts if eligible.

Communicate directly with SWAECC if you anticipate having any trouble paying your electric bill so they can help you maintain service. Don’t let an overdue bill spiral out of control.

Avoid Getting Disconnected with Proactive Communication

If you miss multiple bill payments in a row, your power could get disconnected – but this can be avoided by working proactively with SWAECC. Here are some tips:

• Call immediately if you get a disconnection notice to make alternative arrangements.

• Set up a deferred payment plan or payment extensions if possible.

• Apply for SWAECC financial assistance programs as applicable.

• Make a partial payment to show good faith efforts.

• Keep communicating about your situation to prevent surprise shutoffs.

Disconnections can usually be avoided with sincere customer communication and the willingness to pay something toward your balance monthly. Maintain clear contact with SWAECC.

As a SWAECC customer, be sure to take advantage of the quick and easy electricity bill payment options available. Pay online, through the mobile app, by phone, in person, or by mail based on your preferences to avoid late fees and maintain positive standing with your local cooperative. Managing your electric account should be simple and convenient!