Billing & Payments
Flexible, Secure, and Hassle-Free Ways to Pay Your TEC Bill
Thumb Electric Cooperative offers flexible payment options to make managing your monthly electric or fiber bill simple and stress-free. Whether you prefer to manage your account online, automate your payments, or need help during challenging times, we offer a variety of solutions to meet your needs.
Pay Your Bill Online
Manage your account anytime, from anywhere.
Visit TEC’s secure SmartHub portal to pay your bill, view usage, and manage your account preferences—all in one place.
Automatic Bank Drafts
A secure way to pay on time—every time.
Save time and eliminate late fees with our no-cost automatic payment plan that withdraws your payment directly from your checking or savings account.
TEC Advantage bills are withdrawn on the 1st of each month
TEC Electric & Fiber bills are withdrawn on the 22nd of each month
Why Choose Bank Draft?
Save time — no writing checks or mailing payments
Avoid late fees and postage costs
Payments are always on time—even when you're away
Easy to sign up and free to use
How to Enroll:
Download and return the appropriate enrollment form along with a voided check or savings deposit slip.
Download TEC Advantage Enrollment Form (PDF)
Download TEC Electric & Fiber Enrollment Form (PDF)
Have questions? Check our FAQs below or call us at 1-800-327-0166.
Credit or Debit Card Autopay
Simple, secure payments—without lifting a finger.
Enroll in automatic payments using your Visa, MasterCard, American Express, or Discover card and never worry about missing a due date again.
All payments are withdrawn on the 15th of each month
You’ll still receive your monthly statement for reference
Benefits of Using a Credit or Debit Card:
No checks, no postage, no hassle
Never miss a payment or incur late fees
Safe and secure processing
Free service—no additional fees from TEC
How to Enroll:
Download the Credit Card Autopay Enrollment Form and return it to TEC by mail.
Download Credit Card Enrollment Form (PDF)
Payment Assistance
Support When You Need It Most
Thumb Electric Cooperative understands that sometimes financial hardship or unexpected situations can make it difficult to keep up with your utility bill. Below are programs and resources available to qualifying members that can provide temporary payment assistance or shutoff protection.
MPSC Shutoff Protection Programs
The Michigan Public Service Commission (MPSC) offers shutoff protection programs for eligible utility customers, including:
Seniors (65+)
Low-income households
Active-duty military
Medically vulnerable individuals
If you qualify, you may be able to avoid service interruption while working toward a manageable payment plan.
Download the Medical Certification Form (PDF)
This form is required if you or someone in your household has a medical condition that could be worsened by the loss of electricity.
Local Support Resources
If you’re struggling to pay your bill, we encourage you to contact 2-1-1, a free and confidential service that connects people with local resources and support, including utility assistance. Visit 211.org or call 2-1-1 from any phone.
You can also reach out directly to your local Department of Health and Human Services (DHHS) office for assistance programs that may apply:
Frequently Asked Questions (FAQs)
SmartHub Account & App Support
Thumb Electric Cooperative uses SmartHub to give members easy, secure access to their electric and fiber accounts—anytime, anywhere. Click the button below for answers to common questions to help you get started and make the most of your account.
Still Need Help?
Contact our team at 1-800-327-0166 or use our Contact Us page for more assistance.