Biller name
Choctawhatchee Electric Cooperative (CHELCO)
HQ: DeFuniak Springs, FL
Legal name
Choctawhatchee Electric Cooperative (CHELCO)
Website
Deferit is unaffiliated with Choctawhatchee Electric Cooperative (CHELCO)
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How to pay Payment methods Support FAQ Split into installments
Choctawhatchee Electric Cooperative (CHELCO) Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service / Billing Main | (850) 892-2111 |
| Emergency / Outage | (850) 307-1211 |
| Emergency / Outage | (800) 342-0990 |
Retrieved June 2026 · Source: chelco.com/chelco-offices-hours ·chelco.com/report-outage ·chelco.com/contact-chelco ·chelco.com · current departmental phone numbers and hours of operation.
About Choctawhatchee Electric Cooperative (CHELCO)
Choctawhatchee Electric Cooperative (CHELCO) is a member-owned, not-for-profit electric distribution cooperative established in 1940 to serve rural areas of northwest Florida. The cooperative operates in four counties—Okaloosa, Walton, Holmes, and Santa Rosa—with headquarters in DeFuniak Springs and currently serves more than 76,000 accounts.
Choctawhatchee Electric Cooperative (CHELCO) bills commonly include electricity consumption charges, fuel adjustment charges, demand charges, transmission fees, and customer service fees. Deferit is unaffiliated with Choctawhatchee Electric Cooperative (CHELCO).
How to Pay Your Choctawhatchee Electric Cooperative (CHELCO) Bill
- Online: Pay online through CHELCO's billing portal at https://billing.chelco.com/mcp/
- Phone: Call (850) 892-2111 during business hours to pay with CHELCO Member Services
- In-Person: Pay at CHELCO offices in Auburn, Baker, Bluewater Bay, DeFuniak Springs, Freeport, and Santa Rosa Beach, or use the night deposit box
- App: Download and use the MyCHELCO mobile app available on Apple App Store and Google Play Store
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved June 2026 · Source: chelco.com ·chelco.com/chelco-offices-hours ·chelco.com/statement-billing-options ·chelco.com/contact-chelco.
Need to split your Choctawhatchee Electric Cooperative (CHELCO) bill into installments?
Retrieved June 2026 · Source: chelco.com.
| Choctawhatchee Electric Cooperative (CHELCO) payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Choctawhatchee Electric Cooperative (CHELCO)'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 Choctawhatchee Electric Cooperative (CHELCO) offers payment arrangements, limits are set by Choctawhatchee Electric Cooperative (CHELCO) 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 Choctawhatchee Electric Cooperative (CHELCO) 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 Choctawhatchee Electric Cooperative (CHELCO)'s payment portal or support team before setting up an arrangement. | Monthly Deferit membership plus a $0.99 processing fee per bill. No interest. No late fees on eligible Deferit memberships.* |
| If you miss a payment | Missed-payment consequences are set by Choctawhatchee Electric Cooperative (CHELCO) 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 | Choctawhatchee Electric Cooperative (CHELCO) bills only | Choctawhatchee Electric Cooperative (CHELCO) and most other US household bills |
| Learn more → |
*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.
Pay your Choctawhatchee Electric Cooperative (CHELCO) bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Choctawhatchee Electric Cooperative (CHELCO)
Can I use Deferit to pay my Choctawhatchee Electric Cooperative (CHELCO) bill? ›
Yes. Enter your Choctawhatchee Electric Cooperative (CHELCO) bill amount in Deferit and we pay Choctawhatchee Electric Cooperative (CHELCO) in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Choctawhatchee Electric Cooperative (CHELCO) accept? ›
Choctawhatchee Electric Cooperative (CHELCO) typically accepts online payments via credit card, debit card, or bank transfer. Visit chelco.com or contact their support team for the most up-to-date options.
Does Choctawhatchee Electric Cooperative (CHELCO) offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Choctawhatchee Electric Cooperative (CHELCO)'s website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Choctawhatchee Electric Cooperative (CHELCO) bill on time? ›
Contact Choctawhatchee Electric Cooperative (CHELCO) 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: June 2026