Pay Tennessee American Water Bill Online – Payment Guide (2026)
If you need to pay your Tennessee American Water bill, the safest route is to use the official Tennessee American Water billing page, MyWater account, or the official one-time guest payment page. Customers can pay online, by phone, by mail, or through authorized barcode payment locations, and they can also set up Auto Pay and paperless billing for future bills.
This guide explains the exact official payment options, which methods have fees, what you need before paying, how Auto Pay works, where to mail payments, and what to do if you need a payment arrangement before the due date.
1-866-736-6420
1-855-748-6066
P.O. Box 6029, Carol Stream, IL
16-digit account number
Quick answer: You can pay your Tennessee American Water bill through MyWater, through the official guest bill-pay page at amwater.com/billpay, by phone at 1-855-748-6066, by mail to Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029, or at authorized barcode payment locations. Customer service is 1-866-736-6420.
Tennessee American Water payment options
Most people searching for “Tennessee American Water bill pay,” “Tennessee American Water pay online,” or “American Water Tennessee payment phone number” want the fastest official payment method and want to know whether a fee applies.
Tennessee American Water has two main online routes. MyWater is the better long-term option because it lets you manage your full account, set up Auto Pay, and use free bank-account payments. The guest payment page is better for one-time payments when you do not want to register, but fees apply to all payment methods there.
1) Pay online with MyWater
MyWater lets you pay your bill, check your balance, view usage, turn service on or off, sign up for alerts, and set up paperless billing.
Best for: regular customers who want full account control and Auto Pay.
2) Pay online without registering
Use the official one-time bill-pay page if you want to pay without creating an account.
Best for: quick one-time payments using the official guest route.
3) Pay by phone
The 24/7 payment line accepts credit card and electronic check payments.
Phone payment: 1-855-748-6066
4) Pay by mail or barcode location
You can mail a payment with your stub or use the barcode on your bill at an authorized payment location.
Best for: customers who prefer check or in-store payment options.
How to pay Tennessee American Water bill online step by step
Use these steps if you want to pay safely through the official website and avoid unofficial bill-pay pages. Keep your bill beside you because the utility says you need your 16-digit account number.
Open the official payment page
Go to amwater.com/billpay for a one-time guest payment or login.amwater.com for MyWater account access.
Have your 16-digit account number ready
Tennessee American Water says you should have your 16-digit account number handy before paying online or by phone. Get this from your bill before starting.
Choose MyWater or guest payment
Use MyWater if you want full account features like Auto Pay, paperless billing, alerts, and usage tracking. Use the guest page if you want a simple one-time payment without registering.
Select your payment method
You can pay with Visa, MasterCard, Discover, American Express, or electronic check, depending on the route you choose.
Review the transaction fee
MyWater bank-account one-time payments are free, but MyWater one-time credit card payments cost $1.95. On the guest payment page, transaction fees apply for all payment methods. Review the total carefully before submitting.
Save your confirmation number
After payment, save the confirmation email, screenshot, or transaction number. Keep it until your Tennessee American Water account shows the payment correctly.
If you cannot pay by the due date: Tennessee American Water advises customers to contact customer service immediately before the due date to request a bill payment arrangement plan. Call 1-866-736-6420 and ask about available options.
Tennessee American Water fees, payment methods, and account tools
This table helps you choose the right method depending on whether you want the lowest fee, recurring payments, or the fastest one-time option.
| Payment item | Official detail | What you should do |
|---|---|---|
| MyWater one-time bank payment | Free of charge | Use this if you want the cheapest online payment option. |
| MyWater one-time credit card payment | $1.95 fee | Use only if you prefer card convenience over a free bank payment. |
| Auto Pay by bank account | No additional charge | Best recurring-payment option if you want to avoid late fees and extra charges. |
| Auto Pay by credit card | $1.95 per transaction | Use only if you specifically want your card billed automatically. |
| Guest online bill pay | Transaction fees apply for all payment methods | Good for one-time payments, but compare the fee before submitting. |
| 24/7 phone payment | 1-855-748-6066, $1.95 fee | Use when you want to pay by phone using card or electronic check. |
| Mail payment | Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029 | Mail the payment stub with your check and never send cash. |
| Barcode payment locations | Authorized payment locations using the barcode on your bill | Bring your bill and know the amount due before you go. |
How Tennessee American Water Auto Pay works
Tennessee American Water promotes Auto Pay through MyWater. Once you enroll, your bill is paid automatically on the due date. This is the easiest way to avoid missed bills and manual monthly payments.
Auto Pay by bank account has no additional charge, while Auto Pay by credit card costs $1.95 per transaction. That makes bank-account Auto Pay the most cost-effective recurring option for most customers.
- Open MyWater.
- Register or sign in using your account details.
- Go to the payment area and choose Auto Pay enrollment.
- Select bank-account Auto Pay if you want to avoid additional charges.
- Review and save your enrollment confirmation.
Helpful tip: MyWater is useful even if you do not enroll in Auto Pay. Tennessee American Water says the portal also lets you check your balance, turn service on or off, sign up for alerts, view usage, and set up paperless billing.
Pay by phone, mail, or barcode location
If you do not want to use MyWater, Tennessee American Water still gives you several official payment methods. Keep your 16-digit account number and latest bill ready before using any of these options.
Pay by phone
24/7 payment line: 1-855-748-6066
You can pay by credit card or bank account. A $1.95 transaction fee applies.
Pay by mail
Mailing address:
Tennessee American Water
P.O. Box 6029
Carol Stream, IL 60197-6029
Mail the payment stub with your payment and do not send cash, staples, or paper clips.
Use barcode payment locations
You can pay using the barcode printed on your bill at authorized payment locations.
Bring the bill and know your amount due before going.
Call customer service
Customer service: 1-866-736-6420
Non-emergency billing help is available Monday through Friday, 7 a.m. to 7 p.m. Emergency support is available 24/7.
What to do if you need payment help
If you think you cannot pay by the due date, act early. Tennessee American Water advises customers to call before the due date and ask about a payment arrangement plan. The utility also references customer assistance programs and budget-style options for eligible customers.
- Call 1-866-736-6420 before the due date.
- Ask about a bill payment arrangement plan.
- Ask whether any customer assistance program or levelized-budget style option may apply to you.
- Keep notes from the call and save all payment confirmations.
Tennessee American Water contact information
Tennessee American Water Customer Service
Customer service: 1-866-736-6420
24/7 payment line: 1-855-748-6066
TDD: 711
Business hours: Monday–Friday, 7 a.m.–7 p.m.
Emergency support: Call customer service 24/7.
Payment mailing address:
Tennessee American Water
P.O. Box 6029
Carol Stream, IL 60197-6029
Correspondence address:
Tennessee American Water
109 Wiehl Street
Chattanooga, TN 37403
Official website: amwater.com/tnaw
Map for Tennessee American Water correspondence office
Tennessee American Water’s contact page lists its correspondence address at 109 Wiehl Street in Chattanooga. Use the map below if you need the location reference for mailed correspondence or office identification.
Frequently asked questions
How do I pay my Tennessee American Water bill online?
You can pay through MyWater or use the official guest bill-pay page at amwater.com/billpay. Keep your 16-digit account number ready before starting.
What is the Tennessee American Water phone payment number?
The 24/7 payment number is 1-855-748-6066. You can pay by card or electronic check through this line.
What is the Tennessee American Water customer service number?
Customer service is 1-866-736-6420. For non-emergencies, business hours are Monday through Friday, 7 a.m. to 7 p.m.
Is there a fee for online payment?
Yes, depending on the method. MyWater bank-account one-time payments are free, MyWater one-time credit card payments cost $1.95, Auto Pay by bank account has no additional charge, Auto Pay by card costs $1.95 per transaction, and the guest bill-pay page applies transaction fees for all payment methods.
Can I pay Tennessee American Water without registering?
Yes. Use the official guest bill-pay page at amwater.com/billpay. Be sure to have your 16-digit account number ready.
How do I sign up for Auto Pay?
Sign in to MyWater, go to the payment area, and enroll in Auto Pay. Bank-account Auto Pay is the most cost-effective option because it has no additional charge.
What is the mailing address for bill payments?
Send payments with the stub to Tennessee American Water, P.O. Box 6029, Carol Stream, IL 60197-6029.
Can I pay at a store or barcode payment location?
Yes. Tennessee American Water says you can use the barcode on your bill at authorized payment locations. Bring your bill and know the amount due before going.
What if I cannot pay by the due date?
Call customer service before the due date and ask about a payment arrangement plan. Tennessee American Water says representatives can help discuss available arrangements.
Who do I call for a water emergency?
Tennessee American Water says emergency support is available 24/7 through customer service at 1-866-736-6420.
Official resources