American Water Bill Pay Help Center for MyWater Login, One-Time Payment and Past-Due Help
This guide is for American Water customers who need to pay a water or wastewater bill, use MyWater, make a one-time payment without registering, set up Auto Pay, find payment assistance, start or stop service, or handle a high bill.
American Water works through state-specific regulated companies, so the safest path is to start with the official MyWater portal or the official state site shown on your bill. The steps below include official links beside each action.
Fast answer: American Water customers can pay through MyWater, use amwater.com/billpay for guest payment, call 1-855-748-6066 for phone payment, mail payment with the bill stub, or use an authorized in-person payment location. Have the account number from your bill ready before paying.
Most important warning: American Water has different state companies, fees, assistance rules, mailing addresses, leak-adjustment policies and customer-service numbers. Always match the state name on your bill, such as New Jersey American Water, Pennsylvania American Water, Missouri American Water, California American Water, Illinois American Water, or another American Water state company.
American Water Bill Pay Quick Facts
American Water Bill Pay Action Board: Use the Correct Official Link
Pick the situation that matches the customer’s problem. This avoids the most common mistake: paying through a page that does not match the American Water state company on the bill.
I want full account access
Use MyWater to pay, check balance, view usage, receive alerts, set paperless billing, manage Auto Pay and start or stop service.
Open MyWaterI just need a quick payment
Use the official guest bill-pay page. Keep your American Water account number ready before starting.
Pay without registeringI want to pay by phone
Call 1-855-748-6066. Have the account number ready. Transaction fees may apply depending on method and state.
Call phone payI cannot pay the full bill
Check customer assistance, budget billing and installment-plan options. Programs and eligibility vary by state.
Open assistance pageI am moving
Use MyWater Start/Stop Service for move-in, move-out, new customer or service-line requests.
Start / stop serviceI have a water emergency
Do not use a slow billing email for emergencies. Use your state American Water emergency contact or the emergency reporting path.
Report emergencyMyWater Login: What You Can Do After Signing In
Pay and manage billing
Use MyWater to view and pay the bill, check the current balance, enroll in Auto Pay and sign up for paperless billing.
Log in to MyWaterTrack usage
MyWater can show usage history where available. This is useful before calling about a high bill or possible leak.
View water usageAlerts and contact info
Sign up for emergency and non-urgent alerts by email, phone or text, and keep your contact information current.
Update alertsOne-Time American Water Payment Without Registering
Guest payment is useful when you need to pay quickly, but it is not the best option for ongoing account management.
Open the official guest-pay page
Use amwater.com/billpay. Avoid search ads and third-party pages that may not match your state company.
Open guest payEnter the account number from the bill
American Water state pages commonly tell customers to have the 16-digit account number ready.
Find account in MyWaterReview fee before submitting
Transaction fees may apply. Review the payment screen before clicking submit.
Payment fee infoSave proof
Keep the confirmation number, date, amount, account number and payment method until the balance updates.
Check balance laterAmerican Water Payment Methods Compared
| Payment method | Use it when | What to prepare | Official action |
|---|---|---|---|
| MyWater | You want account tools, Auto Pay, usage history, alerts and paperless billing. | Account number, email, service address and login credentials. | Log in to MyWater |
| Guest pay | You want a one-time payment without registration. | American Water account number and payment method. | Use guest bill pay |
| Phone payment | You prefer automated phone payment. | Account number, payment method and confirmation note space. | Call 1-855-748-6066 |
| You are not near a due date or shutoff deadline. | Payment stub, check or money order, and the state-specific mailing address printed on your bill. | Read billing info | |
| In person | You want to pay at an authorized checkout/payment location. | Your bill, barcode if available, amount due and allowed payment type for that location. | Find payment location |
| Auto Pay | You want the bill paid automatically on the due date. | MyWater login, bank/card details and review of any transaction fee. | Enroll in Auto Pay |
Fees, Bank Payments and Auto Pay: How to Avoid Surprises
Bank account payments
Several American Water state billing pages describe one-time bank-account payment through MyWater as free of charge. Always verify on your state payment screen.
Check MyWater optionsCard and digital wallet fees
American Water materials say a transaction fee may apply for online, card, phone or guest payments depending on payment method and state.
Read fee infoAuto Pay
Auto Pay helps avoid late fees by paying the bill on the due date. Review whether your selected method has a fee before enrolling.
Set up Auto PayPast-Due American Water Bill, Installment Plan or Shutoff Notice
Past-due rules vary by state, but the safest customer path is the same: log in, check the balance, call the state customer-service number on the bill, and ask about assistance before the shutoff stage.
Check the current balance
Use MyWater to check balance and recent payment status. A paid confirmation does not always mean the account is fully current.
Check account balanceCall before service disruption
Use the customer-service number on your state American Water bill. Ask whether a payment arrangement or installment plan is available.
Assistance programsAsk about Budget Billing
Budget Billing may help eligible residential customers smooth seasonal spikes into more predictable monthly payments.
Budget Billing infoAsk about an installment plan
American Water says installment plans may help eligible customers spread past-due balances over time.
Check MyWater optionsPast-due call script
American Water Customer Assistance Programs
State assistance programs
American Water assistance programs vary by state. Open the assistance page and choose your state company before applying.
Choose your stateBudget Billing
Budget Billing can help eligible residential customers avoid seasonal bill spikes by using more predictable payments.
Check MyWaterInstallment plans
Installment plans may help eligible customers spread a past-due balance over time. Availability and rules depend on the state.
Read assistance optionsStart, Stop or Transfer American Water Service
Moving into service territory
Use MyWater Start/Stop Service. Select the correct state company and service address.
Start serviceMoving out
Schedule stop service and provide a forwarding address for the final bill or refund if applicable.
Stop serviceNew construction or service line
MyWater links customers to new construction and new/additional service-line options.
Get startedDemolition or permanent removal
Do not treat demolition as a normal move-out. Use the demolition/service-line path in MyWater or contact your state company.
Service change toolsHigh American Water Bill: What to Check Before Calling
Usage history
- Log in to MyWater.
- View water usage if available.
- Compare the same season last year.
- Check whether the billing period was longer.
Hidden indoor leak
- Listen for running toilets.
- Check flapper valves.
- Look at water heater, basement and crawlspace.
- Inspect humidifier, softener and irrigation feed lines.
Outdoor use
- Sprinkler timer changed.
- Pool fill or hose use increased.
- Seasonal lawn watering started.
- Leak is on the customer side of the meter.
High-bill call script
Leak Adjustment: What American Water Customers Should Prepare
Leak adjustment rules are state-specific. Missouri American Water, for example, describes a one-time courtesy leak adjustment for qualifying usage caused by a leak. Other American Water states can have different forms, limits and rules.
| Step | What to do | Why it matters | Official action |
|---|---|---|---|
| Find and repair leak | Fix toilets, service-line leaks, irrigation leaks or plumbing issues as soon as possible. | American Water state policies generally expect the customer to identify and fix customer-side leaks. | Check usage in MyWater |
| Collect proof | Keep plumber invoices, receipts, repair dates, photos and a short explanation of what failed. | Leak adjustment reviews usually require proof that the leak was fixed. | Find your state page |
| Check state rule | Choose the American Water state company on your bill before submitting any form. | Adjustment amount, eligibility and frequency limits can differ by state. | State assistance links |
| Submit through MyWater if available | Some state pages direct customers to request leak adjustment from MyWater under account actions. | Submitting inside MyWater keeps the request tied to the correct account. | Log in to MyWater |
Login Trouble, Account Number Problems and Billing Mistakes
Cannot find account number?
Use the account-number lookup option on MyWater or check the top portion of your printed or paperless bill.
Use account lookupCannot log in?
Use MyWater’s login help link. Confirm you are using the email attached to the account.
Login helpPayment not showing?
Keep the confirmation number and call the customer-service number on your state bill if a time-sensitive payment has not posted.
Billing contact pathState-Specific American Water Rules: Do Not Skip This
American Water serves customers through different regulated state companies. That means one page can help with the process, but the exact phone number, mailing address, payment fee, leak policy, tariff, rights notice and assistance program must match the state printed on the bill.
Use the state name
Search or click based on the company printed on the bill, such as New Jersey American Water or Pennsylvania American Water.
Use the bill mailing address
Mailing addresses can differ by state. Never copy a payment address from another state company.
Rights vary
Shutoff protections, medical needs, assistance and late-payment rules are controlled by state programs and utility rules.
Use official directory
Start from American Water’s official site directory when you are unsure which state page applies.
Find state billing infoOfficial American Water Links Used in This Guide
American Water Bill Pay FAQ
How do I pay my American Water bill online?
Use the official MyWater portal at login.amwater.com for full account access, or use amwater.com/billpay for a one-time payment without registering.
Can I pay American Water without creating a MyWater account?
Yes. Use amwater.com/billpay for guest payment. Have your American Water account number ready before starting.
What is the American Water pay-by-phone number?
American Water lists 1-855-748-6066 for phone bill payment. Have the account number ready, and review any transaction fee before completing payment.
Is MyWater the same as American Water bill pay?
MyWater is the account-management portal. It lets customers pay bills, view balance, sign up for Auto Pay, use paperless billing, view usage, receive alerts and manage service. Billpay is the guest payment path.
Does American Water charge a payment fee?
A transaction fee may apply depending on state and payment method. Some state pages describe bank-account payment through MyWater as free, while card, phone or guest payments may have a fee. Always review the final payment screen.
How do I set up American Water Auto Pay?
Log in to MyWater, choose Auto Pay, select the payment method, review any fee, and save confirmation. Auto Pay is designed to pay the bill on the due date.
What should I do if I cannot pay my American Water bill?
Open the Customer Assistance Programs page and choose the state company shown on your bill. Budget Billing, installment plans and hardship programs vary by state.
Can American Water adjust a high bill caused by a leak?
Possibly, but leak adjustment rules are state-specific. Repair the leak, keep receipts and photos, check usage in MyWater, then contact the American Water state company printed on your bill.
How do I start or stop American Water service?
Use MyWater and select the Start/Stop Service path. This can help with move-in, move-out, new customer, new construction, additional service line or demolition-related service requests.
Which American Water customer-service number should I call?
Use the customer-service number printed on your bill or your state American Water site. American Water has state-specific regulated companies, so contact details can differ by state.