My Bill - My Way

Billing options for every member.


full width paragraph

Monthly Billing:

  • Accounts are billed monthly.

  • Payment is due within twenty (20) days from the date of the bill.

  • Failure to receive bill does not release the Member from payment obligation.

  • Bills unpaid after due date are subject to disconnection upon (5) days written notice to member.

  • Bills paid on or before the final date of payment shall be payable at the net rates, but, thereafter the gross rate applies.

  • If the due date of the bill falls on a Saturday, Sunday or a holiday, members may pay their bill the next business day without incurring a late fee.

To initiate new service:

  • $5 membership fee

  • $25 connection fee for new or transfer of existing service

  • $400 deposit for residential accounts

  • General Power (non-residential) accounts require a deposit equal to 2 times the estimated average monthly bill.

FlexPay is a zero-deposit alternative for residential and qualifying general power accounts.

For more information please call your local STEMC office.

Application for Service         

full width paragraph

Levelized Billing

  • Provides a way to guard against large fluctuations in your monthly electric bill without ever having to play "catch-up" at the end of the year.
  • Your monthly bill becomes a rolling average of your electric usage for the most recent 13 months.
  • The amount due will vary from month to month.
  • Your bill will never increase more than 20% from the previous month.
  • May be used for any regular account regardless of payment method and is available for any residential member with a a good pay rating.
    • Levelized billing is not available for FlexPay accounts.

Levelized Billing Application

full width paragraph

View Account Information

To access your account on line and view monthly billing amount and billing history:

Login with your user name and password:

Click here or on the button above to sign up to access your account online.

You will need your 12-digit Southwest account number and at least one of the following:

  • Last 4 digits of the primary social security number listed on your account
  • Current statement amount
  • Phone number listed on your account

**Note: The above is NOT the MyUsage or Paperless Billing login.

full width paragraph

What is FlexPay?

FlexPay is a pay-before-consumption program and an alternative to traditional monthly billing that allows participants to determine how much (subject to minimum payment policy) and how often they pay.

The FlexPay program

  • is provided by Southwest Tennessee Electric and Exceleron
  • is an option for our members seeking an alternative to traditional electric service.
  • allows participants to avoid deposits and monthly bills, customize their payment schedule, purchase energy when convenient, and monitor their own consumption.
  • changes everything you know about electricity by providing real options for your unique situation
    • monitor & adjust how much energy you consume each day through the MyUsage App.
  • allows you to pay for energy on your schedule and gives you the information to control your energy costs like never before.
    • purchase energy before you use it, just like putting gasoline in your car.

How the Plan Works:


  • FlexPay is entirely optional.
  • New or existing members may choose to participate in the prepay service.
  • A minimum payment of $120 is required to create a FlexPay account.
  • Existing members with past due account balances may utilize the debt-recovery program to avoid disconnection of service for non-payment.
  • Existing members that have been disconnected for past due balances may utilize the debt recovery program and have their power turned on immediately.
  • New members signing up for FlexPay must fill out Application for Service & FlexPay Application.

Application for Service           FlexPay Application

Pay as You Use

  • As energy is consumed, the account balance is reduced until either the balance is exhausted or additional payments are made to the account.
  • Participants may pay as much or as often as they wish, provided the account maintains a positive balance.
  • Accounts with a negative balance are subject to immediate disconnection.

The Power of Information

  • Be notified of low balance, daily balance, pending disconnect, disconnection, and reconnection via phone, email and/or text message or push notification.
  • Check daily account balances on the MyUsage Website or the free MyUsage App.
  • To download the MyUsage App on your mobile device visit Google Play Store for Andriod or the App Store for iPhone/iPad.  
  • You may also check your balance by calling 1-866-681-9447 or visiting your local STEMC office.
  • Prepay participants will not receive monthly statements in the mail.

Fees & Charges

  • A monthly prepay fee of $5.00 will be added to all participating accounts.
  • A security deposit of $20 will be required.
  • A minimum payment of $20.00 is required for payments made in the office.
  • $20 minimum payments for online or telephone payments. 
  • There is no minimum payment when using any of our Kiosk Pay-Site machines. 
  • For your convenience, Kiosk payments may be made 24 hours a day, 7 days a week at the following STEMC office locations: 
    • Atoka, Covington, Brownsville and Henderson
    • Food Giant stores in Jackson, TN
  • Payments may also be made at the Exxon/Tiger Mart in Whiteville 7 days a week from 6 am to 10 pm.
  • All existing fees, rates, and charges continue to apply, including existing applicable energy charges and customer charges.


  • Disconnection occurs any time a credit balance is not present, regardless of notifications.
    In the event of disconnection, payment must be made for any unpaid daily charges accrued prior to disconnection
    as well as payment to establish a minimum positive balance of $35.00, plus a $25.00 service fee. 

  • A debt recovery payment amount will also be included if applicable. 

  • The amount to reconnect will change daily because the daily charges will continue to accrue during disconnection. 

  • If payment is received after 10 am on the second day an account is negative,
    a $25.00 service fee will be charged regardless of actual disconnection of service.

Click here for more information