Ways to pay

Whether online or in person, there are many ways to pay your SMUD bill.


Customize your payment options with My Account.

Make a one-time payment without signing in.

Set up automatic, recurring payments.

Call us toll-free at 1-888-742-7683 to make a payment.

  • Representatives are available to take eCheck payments Monday through Friday from 7 AM to 7 PM.
  • Our automated system is available 24 hours a day for residential customers. 

Visit our Customer Service Center lobby to make payments in person:

6301 S Street
Sacramento, CA 95817

Get directions

Hours: Monday - Friday, 8 AM - 6 PM

Pay your electric bill at a SMUD pay station location

  • Payments can be made with cash, check or money order (Walmart locations only accept cash and pin-based debit transactions)
  • Credit cards are not accepted
  • Payments will post to your account on your payment date

Find a pay station near you

Enter your starting address


To pay by mail, write your account number on your check, include your payment stub and send to:

P.O. Box 15555
Sacramento, CA 95852-1555

You can make automatic payments to SMUD from your checking or savings account, saving you the cost of postage and checks.

How to sign up

  1. Complete the EFT application form, print it and sign it.
  2. Attach a voided check from your checking account or include the savings account number and the American Banker Association number (ABA#).
  3. Mail to:
    EFT, M.S. A253
    P.O. Box 15830
    Sacramento, CA 95852-0830
    Please do not include payment in the same envelope with your EFT application.

Next steps

Please continue paying your electric bill or energy efficiency loan until you receive a bill showing Bank will pay on (date and amount). You'll continue receiving your monthly statement, but your bank will automatically pay it.

We'll confirm your enrollment in the program within 6-8 weeks of signing up.

For information about electronic transfer, email EFTquestions@smud.org

Make loan payments using the following accepted payment methods.