Biller name
City of Saginaw
HQ: Saginaw, MI
Legal name
City of Saginaw, Michigan
Website
Deferit is unaffiliated with City of Saginaw
Pay your City of Saginaw bill with Deferit
Earn 2% cashback on every bill you pay with Deferit.
Financing Option
Deferit can pay your bill now, then you pay it back later.
How to pay Payment methods Support Late fees FAQ Split into installments
City of Saginaw Account & Billing Support
| Department | Number / Channel |
|---|---|
| Water Billing Main | (989) 759-1450 |
| Water Services Administration | (989) 759-1596 |
Retrieved July 2026 · Source: saginaw-mi.com/contact · current departmental phone numbers and hours of operation.
About City of Saginaw
City of Saginaw is a municipality in Saginaw County, Michigan that jointly operates the Saginaw-Midland Municipal Water Supply Corporation with Midland.
City of Saginaw bills commonly include water consumption charges, sewer service fees, late payment penalties, and administrative charges. Deferit is unaffiliated with City of Saginaw.
How to Pay Your City of Saginaw Bill
- Online: Pay online at https://www.saginaw-mi.com/pay with credit cards or ACH transfers.
- Phone: Call 855-786-5349 (available 24/7) to pay with credit cards or ACH transfers.
- Mail: Mail check or money order to Treasurer, City of Saginaw, 1315 S. Washington Ave., Saginaw, MI 48601.
- In-Person: Pay at City Hall, 1315 South Washington Ave., Saginaw, MI 48601 with cash, check, or credit cards (Monday-Friday, 8am-4pm).
- Auto-Pay: Enroll in AutoPay through your online payment portal to automatically pay your full balance on the due date.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved July 2026 · Source: saginaw-mi.com/pay ·saginaw-mi.com/478/Water-Billing.
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Late payment fee | 10% penalty if payment not received by 4 pm on the due date | |
| Reconnection fee | $52 | |
| Deposit | $150 minimum |
Retrieved July 2026 · Source: saginaw-mi.com/faq
Need to split your City of Saginaw bill into installments?
Retrieved July 2026 · Source: saginaw-mi.com.
| City of Saginaw payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check City of Saginaw'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 City of Saginaw offers payment arrangements, limits are set by City of Saginaw 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 City of Saginaw 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 City of Saginaw'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 City of Saginaw 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 | City of Saginaw bills only | City of Saginaw 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 City of Saginaw bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About City of Saginaw
Can I use Deferit to pay my City of Saginaw bill? ›
Yes. Enter your City of Saginaw bill amount in Deferit and we pay City of Saginaw in full right away. You repay us in 4 bi-weekly installments.
What payment methods does City of Saginaw accept? ›
City of Saginaw typically accepts online payments via credit card, debit card, or bank transfer. Visit saginaw-mi.com or contact their support team for the most up-to-date options.
Does City of Saginaw offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit City of Saginaw's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my City of Saginaw bill on time? ›
Contact City of Saginaw 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: July 2026