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Payment Options

In addition to US mail or paying in person at the Urbana office we offer four convenient payment options that are safe, reliable, and have no additional fees:

Below you can learn more details on our payment options.

Online Payments with SmartHub

SmartHub-logo-purple1.png

Use the SmartHub member portal to pay your bills, manage your bank and card information for stored payment methods, view your energy usage, report a problem with your service, contact ECI REC, and more.

It's fast, it's safe, and it's free! SmartHub users have 24/7 account access and you can sign up for notifications, paperless billing, and more via any computer or mobile device.

View and Pay Your Bill Any Time Anywhere

24/7 Rapid Pay: By Phone or Online - No SmartHub registration required.

Pay-By-Phone: Make a payment any time, any day of the week, by calling our intuitive pay-by-phone system's toll-free number, 855-939-3584.

When you call to make a payment, no account number is needed—just tell the system the phone number tied to your account. You can also check your account balance.

Pay Now Site: We encourage members to utilize the free SmartHub account portal and app so you have more control, but member-consumers may also pay online without creating an online account through the SmartHub's Pay Now Site. 

Electronic Direct Payment (Bank Account or Credit or Debit Card)

You can pay automatically each month by electronic direct payment from a bank account or credit/debit card.

You will continue to receive a statement each month from ECI REC to inform you of the amount of your electric bill. The bill you receive will have "bank draft - do not pay"or "credit/debit card charged" printed on it to let you know it has been paid by electronic direct payment. ECI REC accepts electronic direct payments from checking, savings, or credit/debit card accounts.

For the safety and security of your banking and card information we discourage hard copies or electronic distribution of your personal information. To sign up for electronic direct payment please phone our office to provide this information.

  • For direct payments from your savings or checking we will need your banking institution, routing number, and bank account number.
  • For card payments we will need the card type, number, expiration date, and name on the card.

We take every effort to start the electronic direct payment process as soon as we receive your request. Please check your statement to ensure that it reads "bank draft - do not pay"or "credit card charged."

Budget Billing

Knowing what your monthly expenses are going to be can help you meet financial obligations month to month. If you have an ECI REC usage history of less than 3,000 kWh, the Cooperative offers member-consumers a budget billing option to level monthly electricity payments. Your monthly payment is based on yours, or the past occupants 12-month usage history of the service location.

ECI REC reviews your account periodically to ensure that payments are on track with the actual usage so that you do not face a large debit or credit at the end of the year. Member-consumers will pay for the electricity used. Your bill will always indicate your current charges during the month in addition to your budget amount.

You can enroll one of three ways:

  1. Complete the Budget Billing form and mail it to the Urbana office.

  2. Call our toll-free number: 877-850-4343.

  3. Visit our headquarters building in Urbana.

Your account must be paid in full before you are able to enroll or cancel your participation.

24-Hour Drive-Up Depository Box

ECI REC has three 24-hour drive-up depositories:

  • 1707 1st Street E., Independence

  • 2400 Bing Miller Lane, Urbana

  • 1600 West D Street, Vinton

Though we accept cash payments, we strongly suggest that NO cash payments be placed into the drive-up depositories. Please place only checks or money orders in the drop box.

Mail

Payment envelopes are included with your monthly billing statement.

Payments can be made out to East-Central Iowa REC and mailed to:

PO Box 248
Urbana, IA 52345-0248

Pay-In-Person

Payments may be made at the Urbana headquarters during regular business hours: 7:30 a.m. - 4:00 p.m.

Address:  2400 Bing Miller Lane, Urbana, IA 52345-0248
Office Hours: Monday to Friday,  7:30 a.m. - 4:00 p.m.

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2400 Bing Miller Lane

PO Box 248

Urbana, IA 52345

Toll Free: 877-850-4343

Fax 319-443-4359

Email: ecirec@ecirec.coop

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©2025 East-Central Iowa Rural Electric Cooperative. All Rights Reserved.

  • Account Services
    • Account Management
      • Manage Your Online Account
      • Payment Options
      • About Your Bill
        • Bill Sample
        • Terms on Your Bill
        • Rates
        • Avoid Late Fees & Disconnects
      • Service Calls & Charges
      • Start Stop Transfer Upgrade
      • Patronage Dividends
      • Avoid Peak Hours
    • Member Services
      • Member Programs
        • Co-op Connections Program
        • Helping Hand Reminder
        • Notify Landlord Before Disconnect
        • Power Boost Gift Certificate
        • RECare Program
        • Support Iowa Renewable Energy
      • Outdoor Lighting
      • Member Information Update Request
      • Keep Your Bill Affordable
      • Energy Assistance (LIHEAP)
      • Terms & Conditions (Tariff)
      • Tree Trimming
      • How Electricity Reaches You
  • Manage Energy
    • Save Energy & Money
      • Rebate Forms
      • Residential Heat Rate
      • Electric Vehicles
    • Smart Electrification
      • Renewable Options
        • On-Site Generation Facilities
        • Support Iowa Renewables
      • Smart Technologies
        • AMI & Smart Meters
        • View My Usage
      • Beneficial Electrification
    • Electric Efficiency Resources
      • Heating & Cooling
      • Water Heaters
      • Lighting
      • Use Energy Wisely TSE Site
      • Quick DIY Energy-Efficient Tips
      • Energy Calculators & Resources
      • ECI REC's Commitment to Energy Efficiency
  • Outages & Safety
    • Outages
      • Outage Center
      • If an Outage Occurs
      • ECI REC Outage Map
      • Iowa Electric Co-ops Outage Map
    • Safety
      • Call Before You Dig-811
      • Damaged Electric Facilities
      • Backup Generator
      • Grain Bin Safety
      • Electric Safety Resources
        • Electric Safety & Outage Tips
        • Safety Videos
  • Community & News
    • Youth/Community Program
      • Scholarships
      • Iowa Youth Tour - Washington, D.C.
      • Iowa Youth Leadership Academy
      • Safety Education
      • Community Reinvestment Fund
      • Revolving Loan Fund
    • News & Resources
      • Newsletters
        • Member Newsletter
        • eNewsletters
        • Iowa Electric Cooperative Living
      • Bill Inserts - Power Notes
      • Literature, Brochures, and Guides
      • News & Media Inquires
      • Resources and Assets Library
  • The Cooperative
    • Legislative Hub
      • Iowa Grassroots Networks
      • National Grassroots Networks
    • Cooperative Difference
      • Co-op Advantage
        • The Non-Profit Advantage
        • Democratic Governance
        • Co-op Membership
        • Guiding Principles
      • Annual Meeting of Members
      • Member Survey
    • About Your Cooperative
      • About ECI REC
      • Service Territory Map
      • Your Board of Directors
      • Management Team Directory
      • Touchstone Energy® Co-ops
      • Where's the Power Come From
      • Statement of Nondiscrimination
      • Careers