Biller name
Bay County Utility
HQ: Panama City, FL
Legal name
Bay County
Website
Deferit is unaffiliated with Bay County Utility
Deferit can pay your Bay County Utility bill now, and you pay it later.1
Your repayment schedule
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Enter your bill amount to see your payment schedule.
Monthly membership applies, cancelable anytime. All payments incur a processing fee.
How to pay Payment methods Support FAQ
Need to split your Bay County Utility bill into installments?
Retrieved September 2026 · Source: baycountyfl.gov.
| Bay County Utility payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Bay County Utility's online account, payment portal, or customer support team for available payment arrangement options. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | If Bay County Utility offers payment arrangements, limits are set by Bay County Utility based on your account status. We couldn't verify a published maximum split. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by Bay County Utility at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | Fees and interest were not published in the sources reviewed. Check Bay County Utility's payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a $0.99 processing fee per payment. No late fees on eligible Deferit memberships.* |
| If you miss a payment | Missed-payment consequences are set by Bay County Utility and may include late fees, service interruption, or collection activity depending on your account. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | Bay County Utility bills only | Bay County Utility and most other US household bills |
| Learn more → |
*Deferit membership is $14.99 (Lite), $19.99 (Max) or $24.99 (Ultra) a month, plus a processing fee per payment. No late fees feature included with Max and Ultra memberships. Installments on the Lite membership may incur late fees if overdue. See membership terms for details.
Bay County Utility Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 850-248-5010 |
Retrieved September 2026 · Source: baycountyfl.gov/187/Utility-Services · current departmental phone numbers and hours of operation.
About Bay County Utility
Bay County Utility Services manages water delivery and wastewater management for residential and commercial customers in the region. Its services include drinking water management.
Bay County Utility Services bills commonly include water consumption charges and wastewater treatment fees. Deferit is unaffiliated with Bay County Utility Services.
How to Pay Your Bay County Utility Bill
- Phone: Call (888) 528-2092 with your account number ready and follow the automated prompts to complete payment.
- Mail: Send payment to 3410 Transmitter Rd, Panama City, FL 32404 with your payment stub; allow 5-7 business days for processing.
- In-Person: Visit the office at 3410 Transmitter Rd, Panama City, FL 32404 during normal business hours to pay in person.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Bay County Utility Payment Methods & Addresses
Retrieved September 2026 · Source: baycountyfl.gov/190/Payment-Options.
Pay your Bay County Utility bill with Deferit
Pay now and split it into 4 installments, once every two weeks.
Learn more →Common Questions About Bay County Utility
Can I use Deferit to pay my Bay County Utility bill? ›
Yes. Enter your Bay County Utility bill amount in Deferit and we pay Bay County Utility in full right away. You repay us in 4 bi-weekly installments.
Split this bill in 4What payment methods does Bay County Utility accept? ›
Bay County Utility typically accepts online payments via credit card, debit card, or bank transfer. Visit baycountyfl.gov or contact their support team for the most up-to-date options.
Does Bay County Utility offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Bay County Utility's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Bay County Utility bill on time? ›
Contact Bay County Utility directly to ask about payment arrangements or hardship assistance programs. Deferit can also help — split your bill into 4 payments to ease the immediate financial pressure.
Updated: September 2026