Nearly every major U.S. utility lets you pay your electric, gas, or water bill by eCheck - an ACH bank draft from your checking account - usually with no fee, while cards often cost extra. We confirmed 12 large utilities below. On your provider's site, look for bank draft, AutoPay from checking, or pay by bank account.
Duke Energy
Free ACH/eCheck bank draft via online bill pay and Auto Pay from checking or savings; no service fee.
Visit Duke Energy websitePacific Gas & Electric (PG&E)
Free one-time payment or AutoPay from a checking/savings account; card payments add a $1.50 fee.
Visit Pacific Gas & Electric (PG&E) websiteCon Edison
Pay from checking or savings, or set up automatic payments from your bank account (ACH).
Visit Con Edison websiteNational Grid
Enroll in recurring payments to auto-deduct the bill from your bank account (ACH), fee-free.
Visit National Grid websitePortland General Electric
Pay by checking account (routing + account number) online or by phone; Auto Pay from your bank account.
Visit Portland General Electric websiteDominion Energy
Automatic bank draft or one-time payment from checking or savings (ACH), no fee.
Visit Dominion Energy websiteGeorgia Power
Auto-Pay bank draft from checking or savings, plus online or phone bank-account payment.
Visit Georgia Power websiteXcel Energy
Auto Pay from a bank account, or pay online or by phone with your routing and account number.
Visit Xcel Energy websiteDTE Energy
AutoPay from a checking or savings account with no processing fee.
Visit DTE Energy websiteComEd
Free AutoPay from a bank account and scheduled eCheck payments through My Account.
Visit ComEd websiteFlorida Power & Light (FPL)
Automatic Bill Pay from a U.S. checking account, plus free online or phone bank payment.
Visit Florida Power & Light (FPL) websiteAmerican Electric Power (AEP)
AutoPay deducted from a bank account, plus electronic check by phone or online.
Visit American Electric Power (AEP) websiteFrequently asked questions
Can I pay my utility bill with an eCheck?
Yes. Nearly every major electric, gas, and water utility lets you pay by eCheck or bank draft - an ACH payment from your checking account - online or by phone.
Do utility companies charge a fee for eCheck or bank draft?
Usually no. Bank-account payments are typically free, while credit and debit cards often carry a convenience fee (for example, PG&E charges $1.50 for cards but nothing for a bank payment).
What is a utility bank draft?
A bank draft (AutoPay from checking) is an automatic ACH withdrawal of your bill from your bank account on the due date - the same thing as an eCheck, set to repeat monthly.
Which utilities let you AutoPay from a checking account?
All 12 confirmed here do, including Duke Energy, PG&E, Con Edison, National Grid, Dominion, Georgia Power, Xcel, DTE, ComEd, FPL, and AEP.
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