My Payment Options Members have many payment options available. Online Bank Draft Paperless Billing FlexPay In Person By Phone By Mail In Person You may pay in person at our district offices located in Brownsville, Jackson, Covington, Henderson, and Atoka. A minimum payment of the lesser of $40 or the actual account balance is required for payments made to a Member Services Representative in the office. Our Member Service Representatives will be glad to assist you with other services as well. You may also pay by using the Pay-Site Kiosk machine in our offices in Brownsville, Jackson, Covington, Henderson or Atoka. 24 hours a day, 7 days a week. located at the Exxon-Tiger Mart - 2070 Hwy 64 East, Whiteville, TN. Available during store hours – 6 am to 10 pm, 7 days per week There is no minimum payment and no fee for paying via Kiosk. Paysite Kisoks accept cash, debit cards, credit cards and personal checks. No change is given. By Phone 1.855.782.7864 By Mail We gladly accept payment by mail. Be certain to allow at least 7 days for postal delivery. To insure accurate processing, please detach and return the lower portion of your bill. Payment must be received on or before the due date to avoid a late fee. MAIL PAYMENTS TO: Southwest Tennessee EMC P.O. Box 55360 Little Rock, AR 72215 Kiosk Payments may be made 24 hours per day, 7 days per week through Kiosk machines located in Brownsville, Jackson, Covington, Henderson and Atoka As well as the Exxon-Tiger Mart, 2070 Hwy 64 East, Whiteville, TN. Available during store hours – 6 am to 10 pm, 7 days per week There is no minimum payment and no fee for paying via Kiosk.