Billing and Payment Options

Southwest Electric, a Member-owned cooperative, has developed billing and payment options to provide our residential Members with choices.

Member Choice Billing

Regular Billing

Standard billing most familiar to our Members.  Pay for use as metered on a monthly basis.


Only requires $105 to start service — $55 credit towards energy use, $5 Membership fee, $45 activation fee.  No deposit is required.  Pay for use as you go.  Download the Application and Terms of Agreement to get started.

Variable Monthly Payment

Calculates and averages the last 11 months of use plus the current month’s use providing a levelized current bill.  This makes monthly budgeting easier.  Download the Application to switch to the Variable Monthly Payment option.

Alternate Payment Dates

Choose to have payments due on the 15th or 27th of each month allowing for flexibility with your budget and schedule.

Paperless Billing

No more paper bills in your mailbox.  You can now receive notification of your bill by text or email.  Login to SmartHub and follow the directions.

Payment Options

  • Online Payments can be made through SmartHub.  Credit card, electronic check and debit card payments are accepted.
  • Payments by phone can be made by calling 877-607-6973. Credit card, electronic check and debit card payments are accepted.
  • Recurring Payments and Bank Draft can be set up two ways:
    • Do it yourself online by signing up for credit/debit card recurring payments in SmartHub.
    • Fill out the Bank Draft Authorization form and drop off at our office or mail it back to us. Bank draft automatically pays your bill from the bank account of your choosing.
  • Mail Payments are convenient with the self-addressed envelope enclosed with every billing statement. Simply apply postage and mail.
  • Payment Centers are conveniently located:
    • Port Gibson – RiverHills Bank and State Bank
  • MoneyGram:
    • How it works
      • Find a MoneyGram bill pay location.
      • Bring the following items:
        • Receive Code: 16381
        • Account Number
        • Cash to pay your bill and fee of $1.50
      • Complete your transaction at the cash counter
    • Over 41,000 convenient MoneyGram agent locations including these:
      • ACE Cash Express
      • Advance America
      • CVS/pharmacy
      • Walmart
  • Our Office is open from 8:00 a.m. to 4:30 p.m., Monday through Friday. Check, money-order and cash payments are accepted.
  • Night Deposit Box is located at our Lorman office for after-hour payments. Cash, Check, or money-order payments are accepted.

Important Note:

The balance forward must be paid by 4:30 p.m. on the Gross Amount Due date listed on your bill. If you don’t pay the balance forward by that date, the entire amount is due to avoid cutoff. Payments placed in the night deposit after 8:00 a.m. will not be posted until the following business day.

Tips to Making Bill Payment Easier:

  1. Include your bill stub with your payment if you are paying by mail
  2. Bring your entire statement if you are paying at our office or at a payment center.
  3. Write your account number on your check or money order.
  4. If you call the office for account information, have your account number available.

Interactive Billing Statement

Mouse over the star circle icons on the image below to learn more about what different parts of your monthly bill are and mean.