Saginaw Water/Sewer Bill Help Center: Pay, Start Service, Avoid Shutoff & Restore Water
Use this page when you need to pay a City of Saginaw water bill, find the BS&A online payment screen, understand a 10% late penalty, start or stop water service, restore shutoff service, or handle an old balance tied to a property.
Every action below includes the official City of Saginaw link, phone number, office location or payment rule beside the step, so you can finish the task without guessing.
Fast answer: City of Saginaw water/sewer bills can be viewed and paid online through the City’s BS&A system. The Water Billing office handles accounts, meter checks, payment arrangements, discontinuance for collection, starting and closing accounts, but monthly payments are accepted through the City Treasurer’s office and online.
Deadline warning: Saginaw says payments are received only when received; postmark dates do not count. If payment is not received by 4pm on the due date, a 10% penalty applies. Drop box payments after 4pm process the next business day.
City of Saginaw Water Bill Quick Facts
Saginaw Water Bill Action Board: Use the Right Official Link
Do not start with “pay now” if your service is already shut off, your account has an old balance, or you need a turn-on application. Pick the task first.
I need to view or pay my bill
Use BS&A. Search your property, open Utility Information, then choose Pay My Bill.
Open BS&AI want payment method options
Compare lobby, online, mail, telephone, text, bank direct and AutoPay choices before paying.
See Pay a BillI am close to the due-date cutoff
Payment must be received by 4pm on the due date to avoid the 10% penalty. Postmark does not count.
Read penalty ruleMy water was shut off
You must pay all past due amounts, late fees and the $52 delinquent service fee by cash, cashier’s check or money order.
Restoration FAQI need to start or stop service
Use the Water Service Application and return it by email, fax, mail or in person; turn-on requires in-person application and valid ID.
Start/stop serviceI have a meter, leak or service issue
Water/Sewer Maintenance handles distribution system service, meter reading, leaks, backups and field investigations.
Water/Sewer MaintenanceHow to Pay a City of Saginaw Water Bill Online
Open the City of Saginaw BS&A page
BS&A lists City of Saginaw services including Pay a Utility Bill and Utility Billing Record Search.
Open BS&A pageSearch your utility record
Use the search tools to locate the property/account, then open Utility Information.
Search utility recordCheck usage, fees and balance
The city says customers can view water bills, usage history, late/admin fees and outstanding balances online.
Online bill FAQChoose Pay My Bill
Finish payment only after confirming the service address, balance, payment amount and deadline risk.
Pay utility billSaginaw Water Bill Payment Options: Pick the Best Method for Your Deadline
| Method | Official detail | Use when | Official action |
|---|---|---|---|
| Lobby | Cash, check, cashier’s check, money order and credit cards are accepted. In-person contactless/NFC payments are not offered. | You need a direct receipt or have a complicated account issue. | Lobby options |
| Online | ACH/eCheck, major cards, mobile wallets, Venmo and PayPal options are listed through the payment processor. | You need to pay without visiting City Hall. | Pay online |
| Phone | Automated pay-by-phone accepts select billing types 24 hours/day. Call 855-786-5349 and have your bill handy. | You prefer automated payment by phone. | 855-786-5349 |
| Check, cashier’s check or money order accepted. Do not mail cash. Postmark dates do not count. | Only for non-urgent payments. | Treasurer, City of Saginaw, 1315 S. Washington Ave., Saginaw, MI 48601 | |
| Bank bill pay | Your bank may send a check. If received after the due date, a late fee may be assessed. | Routine payments with enough mailing/processing time. | Bank direct note |
| Pay by Text | Uses your stored payment method from your InvoiceCloud account for select billing types. | You already set up InvoiceCloud and want text reminders/payment. | Pay by Text info |
10% Late Penalty, Drop Box Timing and Shutoff Risk
4pm due-date cutoff
The bill becomes past due if payment has not been received by 4pm on the due date.
Penalty FAQDrop box after 4pm
Drop box payments after 4pm are processed the next business day and may be considered late.
Treasury reminderCall script if your bill is late
How to Restore Saginaw Water/Sewer Service After Shutoff
| Restoration item | Official rule | What to do next | Official link |
|---|---|---|---|
| Amount due | All past due amounts, all late fees and a $52 delinquent service fee must be paid. | Ask for the full restore total before paying. | Restoration FAQ |
| Payment type | Restoration payment must be by cash, cashier’s check or money order. | Do not assume regular personal check will be accepted. | Payment rule |
| Service order timing | Reconnect is done first-come, first-served. | Pay early in the business day and ask when field staff may arrive. | Reconnect detail |
| Adult presence | Someone 18 years of age or older must be present for restoration. | Make sure an adult is at the property and faucets are off. | Adult presence rule |
Start, Stop or Close City of Saginaw Water/Sewer Service
Use the Water Service Application
Fill out the Water Application online, save it, and email it to Water Billing, or return it by fax, mail or in person.
Application instructionsTurn service on in person
Apply at City Hall, Room 105, Water/Sewer Counter, 1315 South Washington Avenue. Bring valid picture ID, driver’s license or passport.
Turn-on stepsPrepare the minimum deposit
The city lists a minimum deposit of $150 for turning water/sewer service on.
Deposit ruleTurn service off or close account
Call 989-399-1311 or go to the Water/Sewer Counter. You may need picture ID or account verification; deposit may be refunded or applied to the final bill.
Turn-off stepsWhy a Saginaw Property May Show an Old Water Balance
Final bill not paid
Previous balances can happen when service is turned off or the final bill is not paid.
Previous balance FAQBalance stays with property
The city says the balance stays with the property unless the delinquent account owner can be located.
Property balance rulePossible tax transfer
After one year, the old balance may be added to summer property taxes.
Tax transfer noteMeter Checks, Leaks, Water Backups and Service Problems
The billing office handles meter checks and payment arrangements. Water/Sewer Maintenance handles the distribution system, leaks, water main and sewer line breaks, hydrants, valves, meter reading and backups.
Ask for meter check
The Customer Accounting Division initiates meter checks. Start with Water Billing if the bill looks wrong.
Water Billing contactLeak or backup issue
Water/Sewer Maintenance investigates water backups and repairs water main/sewer line breaks and leaks.
Maintenance serviceMeter access matters
Authorized employees may enter premises at reasonable times to inspect, read, repair or remove meters. Meter areas should remain accessible.
Meter rulesBefore calling about a high bill
- Check toilet flappers for silent leaks.
- Look for water heater or basement leaks.
- Confirm outdoor hoses and irrigation are off.
- Compare usage history in BS&A.
When calling Water Billing
- Have service address ready.
- Ask if the meter read was actual or estimated.
- Ask if a meter check can be initiated.
- Ask whether a payment arrangement is available.
Private-line reminder
City code language says the city assumes no responsibility for bills caused by a leak beyond the meter or in a private service extension, and the property owner is responsible for repairs.
Water billing codeACH AutoPay, Paperless Billing and Pay by Text
ACH AutoPay
The Treasury page recommends ACH AutoPay for water/sewer bills because it has no processing fees and charges the amount due on the bill due date.
AutoPay noteAutoPay vs scheduled payment
The city says AutoPay is not the same as Scheduled Payments, which incur processing fees.
Treasury reminderPay by Text
Pay by Text uses your default stored payment method from your InvoiceCloud account for select billing types.
Pay by Text info10 Saginaw Water Bill Attributes With Direct Answers
| Attribute | Answer that matters | Best next step |
|---|---|---|
| Official online system | BS&A lists City of Saginaw utility billing payment and record search tools. | Open BS&A |
| Water Billing phone | Customer Accounting / Water Billing phone is 989-759-1450. | Call for accounts, arrangements, meter checks and service questions. |
| City Hall location | Water Billing is at City Hall, Room 105, 1315 S. Washington Ave., Saginaw, MI 48601. | Use map below |
| Payment due cutoff | Payment must be received by 4pm on the due date. | Pay early or use an accepted same-day path. |
| Late penalty | 10% penalty applies if not received by the cutoff. | Read Water Billing FAQ |
| Pay by phone | Automated pay-by-phone number is 855-786-5349. | Have the bill handy before calling. |
| Water turn-on deposit | Minimum deposit listed for water/sewer turn-on is $150. | Bring ID and apply in person. |
| Restoration fee | $52 delinquent service fee plus all past due and late fees is required after shutoff. | Use cash, cashier’s check or money order. |
| Old property balance | Unpaid final balances can stay with the property and may be added to summer taxes after one year. | Check utility record before moving or closing. |
| AutoPay recommendation | Treasury recommends ACH AutoPay because no processing fees apply for that method. | Read Treasury note |
City Hall Map and Visit Plan for Saginaw Water Billing
Use this when you need to start service, stop service, pay in person, restore disconnected service, provide ID, ask about arrangements, or handle an old balance.
Bring
Water bill, service address, valid picture ID, payment method, final-bill details, lease/ownership paperwork if starting service.
Ask before leaving
“Is my payment received today, is the 10% penalty cleared, and is my service safe from collection or discontinuance?”
Restoration visit
Confirm the full restore total, accepted payment type, and whether an adult must be present when crews arrive.
Official City of Saginaw Water Bill Links Used in This Guide
City of Saginaw Water Bill FAQ
How do I pay my City of Saginaw water bill online?
Use the City of Saginaw BS&A page. Search your property or utility record, open Utility Information, then choose Pay My Bill.
What is the Saginaw Water Billing phone number?
Water Billing / Customer Accounting is listed at 989-759-1450. General City Hall phone is 989-399-1311.
What is the Saginaw pay-by-phone number?
The city lists 855-786-5349 for the automated Pay by Phone system. Have your bill handy before calling.
Where is Saginaw Water Billing located?
Water Billing is at City Hall, Room 105, 1315 S. Washington Avenue, Saginaw, MI 48601.
When is my Saginaw water bill considered past due?
The city says the bill is past due if payment has not been received by 4pm on the due date.
How much is the Saginaw water bill late penalty?
A 10% penalty is applied if payment is not received by 4pm on the bill due date.
How do I restore Saginaw water service after shutoff?
You must pay all past due amounts, late fees and the $52 delinquent service fee by cash, cashier’s check or money order. Reconnection is first-come, first-served and someone 18 or older must be present.
How do I start Saginaw water/sewer service?
Fill out the Water Service Application and apply in person at City Hall, Room 105, Water/Sewer Counter. Bring valid picture ID, driver’s license or passport, and plan for a minimum $150 deposit.
Can old water balances stay with a Saginaw property?
Yes. The city says previous balances can occur when service is turned off or the final bill is not paid. The balance stays with the property unless the delinquent account owner is located, and after one year it may be added to summer property taxes.
Is ACH AutoPay a good option for Saginaw water/sewer bills?
The Treasury page recommends ACH AutoPay because there are no processing fees for that method and the account is charged the amount due on the bill due date. AutoPay is not the same as Scheduled Payments, which incur processing fees.