What to Do When You Can’t Pay Your Xcel Energy Bill
Xcel Energy is a gas company and electric company serving states in the west and mid-west. More than 5 million customers currently purchase gas and electric from Xcel Energy. The company is proud to support:
- Community Relations
- Environmental Awareness
- Alternative Energy
- Energy Saving Initiatives
How to Pay Your Bill
Xcel Energy offers several options for consumers paying energy bills on-time.
Auto pay: Simply register for a FREE online account through Xcel Energy. Access your online account and sign up for automatic payments. Automatic payments are deducted from your bank account each month on the due date.
Credit/debit card: Customers can pay energy bills with a credit or debit card through NCO Financial. There is a service fee charged by NCO Financial for this service. The fee is not paid to Xcel Energy. Customers can call 1-800-656-8439 to make a payment.
Pay by mail: Address mail payments to:
PO Box 9477
Minneapolis, MN 55484-9477
Pay by phone: Customers can make a FREE phone payment with a checking or savings account through Xcel Energy. Simply call 1-800-895-4999 to make a payment.
Pay stations: Customers can make a payment at an authorized pay station. Locate your pay station with a simple address search.
Pay online: You can pay your Xcel Energy bill online with CheckFree or through your online Xcel Energy account. Visit http://www.xcelenergy.com/My_Account/Pay_Bill/Payment_Options/Online_View_and_Pay to make a payment.
Questions About Your Billing Statement or Account?
Xcel Energy operates in Colorado, Michigan, Minnesota, New Mexico, North Dakota, South Dakota, Texas and Wisconsin. Customers can view Rates and Tariffs for a particular state by clicking on the appropriate link on the right side of the page. Customer service can answer detailed questions at 1-800-895-4999.
How the Penalty Fees Work
Xcel Energy charges penalty fees when payments are late or service is disconnected.
- Late payment: A 1% charge will be added to your bill if you don’t make payment by the due date. This charge is calculated as 1% of the past due amount. If your past due bill is less than $50, no late charge will be added.
- Security deposit: When you start service with Xcel Energy, you may have to pay a security deposit. This deposit is held by the company until you pay 12 consecutive monthly payments on-time. Deposits are required for all accounts, unless the consumer chooses to have a credit check run to potentially waive the fee.
I Can’t Make a Payment
Customer service was extremely helpful when we asked about help paying heating bills, but the information the agent gave was the same as the information available on the official Xcel Energy website. No information was available on payment arrangements, other than the fact that they are available to customers with accounts in good standing (with no previously broken payment arrangements.)
- Energy Assistance: Programs such as the LIHEAP home energy assistance program are available on a federal and state level to help low-income families pay energy bills. Most programs are based on income. Contact customer service for specific information on energy assistance programs in your state via 1-800-895-4999.
- Gift Certificates: You have the option of purchasing gift certificates for friends and family members having trouble meeting energy bills. Customers must print off an application and send the application with a check made payable to Xcel Energy.
- Heat Share: The Salvation Army runs the Heat Share program. Simply print off the Heat Share form and mail a check made out to HeatShare with your regular monthly Xcel Energy payment.
- Payment arrangements: Payment arrangements are available from customer service at 1-800-895-4999. Customers must call to set up the payment plan before service is disconnected.
Will They Work With Me to Pay My Bill?
Did you get the help you needed to pay your electric bill from Xcel Energy? Let us know about your experience.