Nashville MWS Account & Payment Help
Use this guide to pay a Metro Water Services bill, choose Guest Pay or Premium Access, avoid card fees when possible, set up bank draft, understand a high bill, handle a late balance, start or stop service, or report an emergency leak.
Each important step includes the official Nashville.gov or MWS portal link beside the instruction, so customers can act quickly without reading a long generic article.
Start Here: Pick Your Metro Water Task
Use Guest Pay if you have a valid MWS account number and only need a quick payment.
Open Guest PayRegister Premium Access to view bills, Smart Meter usage, payment history, e-bills and outages.
Register / loginMWS payment notice says card payments have a 2.8% fee with $1.95 minimum; eCheck has no fee.
Use eCheck optionFor 24/7 emergency service or leak reporting, call 615-862-4600 and choose option 3.
Emergency infoPay Your Nashville Metro Water Bill: Practical Steps With Official Links
Open the official payment route
Use the MWS WebConnect payment portal or Nashville.gov payment methods page. Do not enter account details into a random payment site or sponsored result.
Choose Guest Pay or account login
Guest Pay works with a valid MWS account number and does not require registration. Premium Access gives account tools like Smart Meter usage, e-bills, payment history and outage reporting.
Pick the right payment method
MWS payment notice says card payments have a 2.8% service fee with a $1.95 minimum. eCheck/EFT has no fee. Use eCheck when you want to avoid the card fee.
Save confirmation and check posting
Save the confirmation number, payment date, amount, method, and bank/card proof. If the account is late or near service interruption, call MWS after payment to confirm status.
Use emergency help for leaks or outages
For 24/7 emergency service, outage, or report-a-leak help, call 615-862-4600 option 3 or use the official Customer Care page/outage map.
Metro Water Services Payment Options and Fees
| Payment route | Official detail | Best for | Official link |
|---|---|---|---|
| Guest Pay online | Pay with eCheck, credit card or debit card using a valid MWS account number. No registration required. | Quick payment when you already have the bill/account number. | Guest Pay |
| Premium Access | View Smart Meter usage, pay bills, review transaction/payment history, download usage and add multiple accounts. | Customers who want full account management and usage tools. | Register/login |
| Card online | Payment notice lists a 2.8% service fee with a $1.95 minimum for card payments. | Fast card payment when the fee is acceptable. | Pay by card |
| eCheck / EFT | Payment notice says no fee for check/EFT. | Customers who want to avoid card processing fees. | Pay by eCheck |
| Digital wallet / text tools | MWS lists Apple Pay, Google Pay, Venmo, PayPal, text billing alerts and Pay by Text among online features. | Customers who want mobile reminders and flexible digital payment tools. | Payment features |
| Phone payment | Automated services are available 24/7 at 615-862-4600. MWS says automated services can pay bills using Visa or MasterCard. | Customers who prefer phone payment or need routine account information. | Call 615-862-4600 |
| Kiosk payment | MWS has bill-pay kiosks at 1700 Third Avenue North; one kiosk is available 24/7 and accepts cash, checks and major credit cards. | Cash/check users or customers who need a physical payment option. | Kiosk details |
| Mail payment | Mail bill and payment to Metro Water Services, P.O. Box 305225, Nashville, TN 37230-5225. | Paper-check users who are not close to the due date. | Mail instructions |
Phone, Kiosk, Mail and Bank Draft Details
Phone payment
Automated services are available 24/7 at 615-862-4600. You can pay with Visa or MasterCard and get routine account information.
Phone detailsKiosk payment
Kiosks are at the Customer Care Center, 1700 Third Avenue North. One kiosk is available 24 hours a day, 7 days a week.
Kiosk detailsMail payment
Mail bill and payment to Metro Water Services, P.O. Box 305225, Nashville, TN 37230-5225.
Mail instructionsBank draft
MWS says bank draft charges the account 15 days from the billing date. ACH-capable bank account is required.
Bank draft infoLate Payment, Disconnection Risk and Returned Payments
Official late-payment rule: Metro Water Services says payment must be posted within 20 days of the bill date to avoid a late payment charge. The late charge is the greater of $2.50 or 5% of the current net bill. Accounts overdue for more than 20 days are subject to disconnection.
| Situation | What it means | Best next action |
|---|---|---|
| Bill date is recent | You are still inside the normal posting window. | Pay before the 20-day mark and save proof. |
| Payment not posted within 20 days | Late charge can apply. | Pay through official route and check account status. |
| Overdue more than 20 days | Account may be subject to disconnection. | Call 615-862-4600 after paying or before arranging help. |
| Returned EFT/check | Payment notice says returned checks/EFT carry a $30 returned payment fee. | Resolve with MWS before making repeated payment attempts. |
What Your Metro Water Services Bill Includes
Water charges
Water service includes a fixed charge, metered consumption, and a water infrastructure replacement fee.
Water ratesWastewater / sewer
Your monthly bill includes wastewater charges based on actual meter reading, plus applicable sewer fees.
Understand your billStormwater
Davidson County residents are charged a stormwater user fee. Stormwater charges are based on impervious square footage.
Stormwater rates2026 Water, Sewer and Common Service Fees
MWS states residential and commercial rates increased by 3% on January 1, 2026, reflected in February bills. The first 2 CCF, or 1,496 gallons, are included in the fixed charge. State law requires 9.25% sales tax on water sales.
| 2026 item | Official detail | Why customers care |
|---|---|---|
| 5/8-inch meter fixed charge | Water $6.12; sewer $9.78. | Common residential reference point, but your meter size may differ. |
| Residential usage tiers | 0–2 CCF included; 3–6, 7–10, and 11+ CCF tiers charge more as usage rises. | High outdoor use or leaks can push usage into higher tiers. |
| Infrastructure replacement fee | Water and sewer infrastructure replacement fees are 10% of related fixed charge plus usage. | These charges can appear in addition to basic water/sewer usage. |
| Reconnect for non-payment | 2026 fee table lists reconnect for non-payment at $60. | Paying late can cost more than the original past-due amount. |
| NSF / returned payment | 2026 fee table lists non-sufficient funds at $30. | Check account details carefully before submitting EFT/check payments. |
| Turn on service | Same day $35; next day $25; running-inside turn-on $50. | Useful for move-in planning and transfer timing. |
Request, Transfer or Terminate Water Service
Request service
Residential customers starting service must pay a non-refundable initiation fee: $35 for guaranteed same-day service or $25 for any day thereafter.
Start service infoTransfer service
Service transfer fee is $35 for guaranteed same-day service or $25 for any day thereafter when moving within the service area.
Transfer service infoTerminate service
Customers should call the Customer Services Center the day before service is to be discontinued. Keep the confirmation number until the final bill is received.
Call 615-862-4600High Nashville Water Bill: Check These Before You Pay Blindly
Use Smart Meter data
Premium Access can show Smart Meter usage data and let you analyze/download water and sewer usage.
Check usage dataCheck for leaks
Running toilets, irrigation, hose bibs, underground lines, and accessible meter issues can raise usage quickly.
Adjustment policiesCompare billing days
Compare the service period, meter reading, previous balance, stormwater charge, late fees and current usage before disputing the bill.
Read bill guide| What you notice | Likely issue | Official place to check |
|---|---|---|
| Usage is much higher | Leak, irrigation, pool fill, household change, longer cycle, or meter access problem. | Smart Meter usage |
| Bill includes stormwater | Davidson County stormwater user fee based on impervious square footage. | Stormwater rates |
| Late fee appeared | Payment was not posted within 20 days of bill date. | Late payment rule |
| Possible adjustment needed | Leak adjustment, pool adjustment, payment extension or policy issue may apply. | Customer policies |
Stormwater Charge: Why It Can Show on the Bill
Simple explanation: MWS says monthly stormwater charges are based on impervious square footage. Impervious surfaces include rooftops, buildings, streets, parking lots, sidewalks, asphalt, concrete, driveways, compacted gravel, patios and artificial turf because they reduce natural water infiltration and increase runoff.
Residential rate examples
For 2026, residential stormwater rates include $0 under 400 sq. ft., $1.50 for 400–2,000 sq. ft., $6.00 for 2,001–6,000 sq. ft., and $11.00 above 6,000 sq. ft.
Condo note
The 2026 residential stormwater rate table lists condominium stormwater charge at $3.00 per unit.
Review option
If you think the stormwater fee or property details are wrong, use the official service options to request a Stormwater Fee Review.
Metro Water Contact, Lobby, Outage and Emergency Help
Lobby
1700 3rd Ave N. Lobby open Tuesdays and Thursdays, 8 a.m.–4 p.m. Self-serve kiosk available 24 hours.
Lobby infoNashville Customer Tips That Actually Help
Use eCheck when the fee matters
The quick-pay notice lists no fee for check/EFT, while card payments have a 2.8% service fee with a $1.95 minimum.
Do not wait past 20 days
Payment must be posted within 20 days of the bill date to avoid late charges. Overdue accounts may be subject to disconnection.
Keep the meter accessible
MWS says meters must be accessible at all times. Inaccessible meters can cause fees and can interfere with accurate readings or leak checks.
Use Premium Access for high bills
Guest Pay only helps you pay. Premium Access gives Smart Meter usage and history, which is what you need for leak or usage questions.
Map and Visit Planning
Use this map for the Metro Water Services Customer Service Building. Confirm live lobby details before visiting; payments can also be made online, by phone, by mail or through the self-serve kiosk.
Customer Service Building
1700 3rd Ave N, Nashville, TN 37208.
Lobby hours
Lobby listed open Tuesdays and Thursdays, 8 a.m.–4 p.m.
24/7 kiosk
Self-serve kiosk is listed as available 24 hours and accepts cash, checks and major credit cards.
Official Metro Water Links Used in This Guide
Nashville Metro Water Bill Pay FAQs
Where do I pay my Nashville Metro water bill online?
Use the official MWS Guest Pay page at mwsonline.nashville.gov or log in through MWS My Account for full account access.
Can I pay without creating an online account?
Yes. MWS Guest Pay allows payment to any account by entering a valid MWS account number. It is useful for one-time payments and for someone paying on behalf of an account holder.
What is Premium Access?
Premium Access lets customers view Smart Meter usage, view and pay bills, review payment history, analyze/download usage, add multiple accounts and report/view outages.
Does Metro Water charge a card payment fee?
The MWS quick-pay notice lists a service fee of 2.8% with a $1.95 minimum for card payments. It also states there is no fee for check/EFT.
What is the Metro Water phone payment number?
Call 615-862-4600. Automated services are available 24 hours a day, 7 days a week, and MWS says customers can pay using Visa or MasterCard.
Where can I pay in person or by kiosk?
MWS lists kiosks at the Customer Care Center, 1700 Third Avenue North, Nashville, TN 37208. One kiosk is available 24/7 and accepts cash, checks and major credit cards.
Where do I mail a Metro Water payment?
Mail your bill and payment to Metro Water Services, P.O. Box 305225, Nashville, TN 37230-5225.
When is a Metro Water bill late?
To avoid a late payment charge, payment must be posted within 20 days of the bill date. The late charge is the greater of $2.50 or 5% of the current net bill.
How do I start or stop Metro Water service?
Call 615-862-4600. Residential start/transfer service fees are listed as $35 for guaranteed same-day service or $25 for any day thereafter. To stop service, call the day before and keep the confirmation number until the final bill arrives.
Who do I call for a water emergency or leak?
Call 615-862-4600 and choose option 3 for 24/7 emergency service or to report a leak.
Pay Your Water Bill Safely, Fix High Bills, Avoid Shutoff, Start Service and Find Official Utility Links
Use this free USA water bill assistant before paying online, calling utility billing, setting up AutoPay, checking a high bill, requesting leak help, starting or stopping service, handling a past due account, or searching for the official city utility portal.
What water bill problem do you need to solve?
Choose your situation. The tool will suggest the safest route, what to prepare, and which official page or office to check first.
Open the official city, county, water authority or utility website first. Do not enter account details into a random sponsored payment page.
If the bill is unusually high, compare usage, billing days, meter read type, toilet leaks, irrigation, late fees and leak adjustment rules before paying blindly.
Safe Water Bill Payment Route
Choose how you want to pay. This helps users avoid wrong portals, posting delays and urgent shutoff mistakes.
AutoPay / Bank Draft Setup Helper
Use this before enrolling in recurring payments so the first draft, current balance and payment date do not surprise you.
High Water Bill Review
Compare your normal bill and usage with the current bill. This gives a practical path before requesting a high bill review.
Leak Adjustment Proof Checklist
Use this before asking for a leak adjustment, high bill review, sewer adjustment or payment plan.
Past Due, Shutoff Notice and Reconnect Helper
Use this if your bill is late, you received a shutoff notice, service is off, or you need a payment plan.
Start, Stop or Transfer Water Service
Use this before moving, closing an account, starting service, transferring service or requesting a final bill.
Water Bill Cost Estimate
Estimate a simple monthly bill from base charge, water usage, sewer, stormwater, trash, service fees and late charges. Official tiered rates may be different.
Bill Dispute and Meter Reading Checklist
Use this before calling billing support about a meter reading, duplicate payment, wrong address, missing payment, estimated bill, or incorrect charge.
Official Water Bill Portal and Phone Finder
Enter city/utility and state to create safe searches for official water bill pay, phone payment, guest pay, AutoPay, start service, leak adjustment, reconnect, assistance and this site’s guide.
Official portal safety
- Use official city, county, authority or utility websites first.
- Check service address before paying.
- Save confirmation number and screenshot.
- Call the utility for shutoff or reconnect situations.
Best sitewide placement
Place this tool after the first payment section or before FAQs. It turns every water bill article into a practical help page, not only a list of links.
Important note
This tool gives educational guidance only. Always confirm payment portals, fees, shutoff rules, assistance programs, account balance and reconnection steps with the official utility.