MLGW My Account & Utility Payment Help
Use this guide to pay an MLGW bill online, by phone, by mail, or in person; set up AutoPay; request a payment arrangement; avoid a cut-off; find assistance; or handle outage and emergency contacts.
Every main step includes the official MLGW link or phone number right where users need it, so the page works like a task board instead of a long generic article.
Start Here: Choose Your MLGW Situation
Use My Account electronic bill payment for online payment and account tools.
Open My AccountAct immediately. MLGW recommends specific faster channels for cut-off situations.
Read cut-off payment recommendationMLGW urges customers to request arrangements before disconnection becomes necessary.
Payment arrangementsReview Plus-1, On Track, PowerPay, Budget Billing, Net Due Date and other programs.
Utility assistance programsHow To Pay an MLGW Bill Online
Open official My Account
Use MLGW My Account for electronic bill payment, payment scheduling, recurring payments, paperless billing, reminders and account tools.
Have your 16-digit account number ready
MLGW bills include a 16-digit account number. The first 9 digits are the customer number and the last 7 digits are the premise number tied to the service address.
Choose the payment source
For residential accounts, MLGW lists bank checking or savings, Visa, MasterCard credit/debit, Discover, and ATM debit cards with Star, Pulse or NYCE logos. MLGW says there is no customer fee for these electronic payments.
Watch the 3:00 p.m. Central Time rule
For same-day one-time online payments, MLGW says payment is noted on the account within one hour when submitted before 3:00 p.m. Central Time. Payments after 3:00 p.m. are processed the next business day.
If you received a cut-off notice, do not use a slow method
MLGW recommends community office teller windows, My Account online payment, or an online payment arrangement request for cut-off notices. Other methods can delay posting.
MLGW Payment Methods, Posting Time and Best Use
Pick the method based on urgency. If service is at risk, speed matters more than convenience.
| Payment method | Official detail | Posting / warning | Official link or action |
|---|---|---|---|
| My Account online payment | Pay from checking/savings, Visa, MasterCard, Discover, or eligible ATM debit card for residential accounts. | Same-day pay date before 3 p.m. CT is noted within one hour. After 3 p.m. is next business day by 8 a.m. | Open My Account |
| Scheduled online payment | Payments can be scheduled for any day up to the bill due date. | Scheduled payments are noted by 8 a.m. CT on the selected pay date. | Schedule payment info |
| Phone payment | Call the automated payment system at 1-866-315-0277 after creating an IVR login or phone pay ID and PIN through My Account. | Before 3 p.m. CT: noted within one hour. After 3 p.m.: noted by 8 a.m. next business day. | Call 1-866-315-0277 |
| Write your 16-digit account number on the check and include the bottom portion of your bill. | Allow several days. Never send cash. Not ideal for last-minute cut-off situations. | Mail payment instructions | |
| Community office teller window | MLGW says customers can pay at MLGW Community Offices; bring both portions of the bill and cut-off notice if applicable. | Recommended for cut-off notice situations. Office teller payments can post faster than slow outside methods. | Community office payment |
| Authorized pay agents | MLGW says customers can pay at authorized agent locations throughout Shelby County. | Authorized agent payments typically post faster than unauthorized processors; keep your receipt. | Find authorized agents |
| Unauthorized third-party payment | MLGW warns unauthorized processors may charge fees and may not provide enough account identification. | Can delay posting and create account-crediting problems. Keep receipt until it posts. | Read unauthorized agent warning |
| AutoPay | Authorizes monthly bank draft from checking account on or shortly after the net due date. | Do not assume it starts before the next bill until the bill says “DO NOT PAY.” | AutoPay details |
If You Received an MLGW Cut-Off Notice
Use a fast MLGW channel
MLGW recommends paying at a community office teller window, paying through My Account, or submitting an online payment arrangement request.
Bring the notice
If paying at a community office teller window, bring your cut-off notice and bill. If paying by check, write the 16-digit account number.
Official cut-off instructionsSame-day cut-off is not guaranteed canceled
MLGW says fast-channel payment confirmation does not guarantee cancellation of a scheduled same-day cut-off, but once verified it can help restore service.
Call Customer CareMLGW Account Number, Access Code and My Account Setup
16-digit account number
Your MLGW bill has a 16-digit account number. MLGW says you need the entire number when doing business with them.
Understand your billAccess code
For My Account signup, MLGW app updates say customers need a valid email, account number and access code found on the paper bill.
Create My AccountDon’t have the account number?
MLGW says residential customers can call 901-544-6549 or email Customer Care and should be ready to verify account/residence information.
Pay MLGW by Phone or Mail
Phone payment
- Create an IVR login or phone pay ID and PIN through My Account first.
- Call the automated payment system at 1-866-315-0277.
- Before 3 p.m. CT, payment is noted within one hour.
- After 3 p.m. CT, payment is noted by 8 a.m. next business day.
Mail payment
Mail to:
Memphis Light, Gas and Water – Payments & Banking
P.O. Box 388
Memphis, TN 38145
- Write the 16-digit MLGW account number on the check.
- Include the bottom portion of the bill.
- Never send cash.
- Allow enough days for delivery and posting.
AutoPay, PowerPay, Paperless Billing and Reminders
AutoPay
AutoPay automatically deducts the bill from checking on or 1–2 days after the net due date. Keep paying normally until the bill says “DO NOT PAY.”
AutoPay detailsPowerPay
PowerPay is a prepaid-style option that eliminates deposits, reconnection fees and late fees, and lets customers add money as needed based on usage.
PowerPay informationPaperless billing
MLGW says paperless bills can be stored for 12 months. Customers can also receive email reminders five days before the bill is due.
Manage paperless billingMLGW app
The updated app gives access to Bills & Payments, paperless billing, stop service, payment arrangements, outage information and account nicknames.
App update detailsMLGW Payment Arrangements and Extensions
Best use: If you cannot pay the full bill on time, request a payment arrangement before service reaches disconnection. MLGW says disconnection for non-payment is a last resort and urges customers to contact them to work out an arrangement.
Extension request
MLGW says customers in hardship situations may request an extension of the current bill due date if criteria are met and arrangements are maintained.
Use before cut-off
Do not wait until the scheduled cut-off day. Arrangement options are safer before the account reaches the final stage.
Keep proof
Save the arrangement confirmation, due dates, representative notes, payment confirmations and any updated terms.
MLGW Bill Assistance Programs: Which One Fits?
| Program | Who it helps | Key detail | Official link / action |
|---|---|---|---|
| Plus-1 | Customers in crisis who need one-time utility assistance. | Administered by MIFA; MLGW says customers needing Plus-1 assistance should contact MIFA at 901-527-0208. | Plus-1 details |
| On Track | Limited-income residential customers who need help managing utility debt and bills. | Includes one-on-one assistance, budgeting/energy information, deferred billing plans and referrals. | On Track program |
| PowerPay | Customers who want prepaid control and smaller payments during the month. | No deposit, reconnection fees or late fees; must have a smart meter. | PowerPay |
| Budget Billing | Customers who want a more predictable monthly bill. | Useful when seasonal usage swings make planning difficult. | Budget Billing |
| Net Due Date Program | Retired or fixed-income customers receiving one check near the beginning of each month. | May allow the net due date to be delayed until after the customer receives the check. | Assistance overview |
| Gift of Comfort | People who want to make a payment toward another customer’s utility bill. | Requires debit/credit card and recipient’s first initial, last name and street number. | Gift of Comfort |
MLGW Customer Care, Outage and Emergency Contacts
Residential Customer Care
901-544-6549. Use for billing, payment arrangements, balance inquiries, start/stop/transfer service and most residential account requests.
Call Customer CareCustomer Care hours
MLGW lists Residential Customer Care hours as Monday–Friday, 8:00 a.m.–7:00 p.m. Web Chat is Monday–Friday, 8:00 a.m.–5:00 p.m.
Important numbersOutage hotline
901-544-6500. Have your 16-digit account number or phone number associated with the MLGW account ready.
Call outage hotlineEmergency hotline
901-528-4465. Use for emergencies such as gas leaks, downed electric lines, burst water pipes or unsafe barricades.
Call emergency hotlineMLGW In-Person Payment, Offices and Authorized Agents
Community offices
MLGW lists community office locations including Main Office, South Community Office, Whitehaven Community Office and Millington Community Office.
Office locationsBring both bill portions
For faster processing, MLGW says to bring both portions of the bill. If paying by check, include the 16-digit account number.
In-person instructionsAuthorized agents
Use MLGW-authorized agents only. MLGW warns unauthorized payment agencies can cause delays, fees or posting issues.
Find authorized agents| Location type | Useful detail | Best for |
|---|---|---|
| Main Office | MLGW location list includes Main Office at 245 South Main Street. | Bill payment, account service and official office handling. |
| South Community Office | MLGW location list includes 2935 Lamar Avenue. | South Memphis-area customers who need an official MLGW office. |
| Whitehaven Community Office | MLGW location list includes 1111 East Shelby Drive. | Whitehaven-area bill payment and customer service. |
| Millington Community Office | MLGW location list includes 5131 Navy Road. | North Shelby/Millington-area customer service. |
Start, Stop or Transfer MLGW Service
Start service
Residential customers can call 901-544-6549 or use MLGW online service request options for start, stop or transfer needs.
Residential service helpUse My Account / app
The updated My Account app experience includes stop service, payment arrangements, paperless billing, text alerts and outage information access.
App service featuresNeed account help?
Call Residential Customer Care for service transfer, billing questions, payment arrangements, balance inquiries and account verification.
Call 901-544-6549Memphis MLGW Bill Pay Tips Users Actually Need
Do not use slow payment if you received a cut-off notice
Mail, unauthorized third-party services, bank bill pay and some agent payments can delay posting. Use the MLGW-recommended cut-off channels first.
Keep the 16-digit account number handy
MLGW uses the full 16-digit number for account work. Write it on checks and keep it ready for outage, billing and payment calls.
Use My Account before phone payment
MLGW says phone payment requires an IVR login or phone pay ID and PIN created through My Account.
Assistance may be better than another late payment
If you are repeatedly behind, check On Track, PowerPay, Plus-1, Budget Billing and Net Due Date instead of only making partial payments.
Which MLGW Payment Option Should You Use?
This helper is informational. Use MLGW My Account or Customer Care for live balance, account status, payment arrangements, service restoration and emergencies.
MLGW Main Office Map and Visit Planning
Use the map for general orientation. Verify the exact office, hours, payment window status and holiday closures before visiting.
Main Office
MLGW location list includes Main Office at 245 South Main Street, Memphis, TN.
Bring with you
Bring both bill portions, 16-digit account number, valid payment, and cut-off notice if applicable.
Cut-off situation
Use teller windows or My Account payment, then call Customer Care if same-day restoration or confirmation matters.
Official MLGW Links Used in This Guide
MLGW Bill Pay FAQs
Where do I pay my MLGW bill online?
Use the official MLGW My Account portal at mymlgw.mlgw.org. It supports electronic bill payment, payment scheduling, paperless billing and account tools.
Is there a fee to pay MLGW online?
MLGW says there is no customer fee for My Account electronic payments. Residential account payment methods include checking/savings, Visa, MasterCard, Discover and eligible ATM debit cards.
What is the MLGW phone payment number?
Call the automated payment system at 1-866-315-0277. You must first create an IVR login or phone pay ID and PIN through My Account.
How fast does an online MLGW payment post?
MLGW says same-day one-time payments before 3:00 p.m. Central Time are noted on the account within one hour. Payments after 3:00 p.m. are processed the next business day.
What should I do if I received an MLGW cut-off notice?
Act immediately. MLGW recommends paying at a community office teller window, paying through My Account, or submitting an online payment arrangement request.
Where do I mail an MLGW payment?
Mail payment to Memphis Light, Gas and Water – Payments & Banking, P.O. Box 388, Memphis, TN 38145. Write the 16-digit account number on the check, include the bottom bill portion and never send cash.
How do I get my MLGW account number if I do not have the bill?
MLGW says you can call Residential Customer Care at 901-544-6549 or email MLGWCustomerCare@mlgw.org. Be ready to verify account and residence information.
Can I request an MLGW payment arrangement?
Yes. MLGW says customers in hardship situations may request an extension or payment arrangement if criteria are met and arrangements are maintained.
What is the MLGW emergency number?
For emergencies such as gas leaks, downed electric lines, burst water pipes or unsafe barricades, call 901-528-4465. For outages, call 901-544-6500.
Does MLGW offer utility assistance?
Yes. MLGW lists programs such as Plus-1, On Track, PowerPay, Budget Billing, Net Due Date, Gift of Comfort, Share the Pennies and other assistance options.
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.