Biller name
ComEd
HQ: Chicago, IL
Legal name
Commonwealth Edison Company
Website
Also known as
ComEd · Commonwealth Edison · ComEd (an Exelon Company)
Deferit is unaffiliated with ComEd
Pay your ComEd 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
ComEd Account & Billing Support
| Department | Number / Channel | Hours |
|---|---|---|
| Residential customer service Main | 1-800-334-7661 | Mon–Fri 7 a.m.–7 p.m. · Emergency and outage: 24/7 |
| Pay by phone (residential) | 1-800-588-9477 | |
| Spanish-language residential | 1-800-955-8237 | |
| Business customer service | 1-877-426-6331 | |
| Assistance Programs | 1-888-806-2273 |
Retrieved June 2026 · Source: comed.com/my-account/customer-support/contact-us ·comed.com/my-account/customer-support/contact-us/contact-information · current departmental phone numbers and hours of operation.
ComEd Bill Types
About ComEd
Commonwealth Edison Company (ComEd) is a regulated electric distribution utility serving more than 4 million customers across northern Illinois, covering approximately 11,400 square miles from roughly I-80 north to the Wisconsin border. ComEd is a subsidiary of Exelon Corporation (NASDAQ: EXC), a Fortune 200 energy company headquartered in Chicago. As a regulated monopoly utility overseen by the Illinois Commerce Commission (ICC), ComEd delivers electricity and handles connects, disconnects, and billing directly.
ComEd bills typically include electricity delivery charges, supply charges, taxes, and rider charges set by ICC tariffs. Optional programs like Budget Billing can affect how those charges appear month to month. Deferit is unaffiliated with ComEd.
How to Pay Your ComEd Bill
- Online: comed.com (My Account) or guest pay at secure.comed.com/payments/payonline · bank account, credit card, or debit card.
- Phone: 1-800-588-9477 (residential pay by phone) · 1-800-334-7661 (main line, press 2 for billing) · 1-877-426-6331 (business).
- Mail: ComEd, P.O. BOX 6111, Carol Stream, IL 60197-6111. Make check payable to ComEd and include account number.
- In-person: Authorized Agent, VeriD, and Convenience Agent locations across northern Illinois. $2.00 processing fee at Authorized Agent and VeriD locations.
- With Deferit: Pay with Deferit and split the bill into 4 installments, once every two weeks. Deferit pays ComEd in full immediately. Learn more →
Payment Methods & Addresses
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/pay-by-mail-phone ·secure.comed.com/payments/payonline ·secure.comed.com/MyAccount/MyBillUsage/Pages/Payinperson.aspx ·comed.com/my-account/my-dashboard/payment-options/automatic-payment ·comed.com/my-account/customer-support/contact-us .
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Late payment fee | Standard late payment fee applies (amount not published on comed.com pages; governed by ICC tariff) | Charged when bill is not paid by the original due date. A Due Date Extension does not eliminate this fee, it only postpones the risk of collection or disconnection. |
| In-person processing fee | $2.00 | At Authorized Agent and VeriD locations; cash and check accepted. Convenience Agent fees vary by location. |
| Disconnection for non-payment | Amount not published; governed by ICC tariff | Continued non-payment may lead to service disconnection. Reconnection requires satisfying the total amount owed. Smart meter customers: power restored within 2 hours of a qualifying in-person payment. |
| Security deposit (new or restored service) | Amount set by ICC tariff; varies | Required for new service or restoration after disconnection. Low-income eligible customers can apply for the Deposit and Late Payment Charge Waiver Program. |
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/due-date-extension ·secure.comed.com/MyAccount/MyBillUsage/Pages/Payinperson.aspx ·comed.com/my-account/my-dashboard/understanding-my-bill/understanding-your-electricity-deposit-costs-and-requirements ·comed.com/my-account/customer-support/payment-assistance/deposit-and-late-payment-charge-waiver-program
Need to split your ComEd bill into installments?
ComEd offers several programs for customers who need help with their electric bill. The Deferred Payment Arrangement (DPA) allows eligible residential customers to spread a past-due balance over 4–12 months, in addition to the regular monthly bill, after making a down payment. A Due Date Extension can push the due date by up to 21 days for eligible accounts. Budget Billing spreads energy costs evenly month to month based on 12 months of past usage.
Income-qualified customers may be eligible for the Low Income Discount (LID) Program, LIHEAP (federal energy assistance), SARP/Catch Up & Save (eliminates past-due balance and provides stabilized billing), or the Deposit and Late Payment Charge Waiver Program. The Your Neighbor Fund provides additional hardship assistance. ComEd's Smart Assistance Manager (SAM) tool at comed.com helps match customers with eligible programs.
If the goal is to pay the bill in full now and split the cost into smaller repayments, Deferit can pay an eligible ComEd bill on your behalf and let you repay it in 4 smaller installments.
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/payment-arrangements ·comed.com/my-account/my-dashboard/payment-options/due-date-extension ·comed.com/my-account/my-dashboard/billing-options/budget-billing ·comed.com/my-account/customer-support/payment-assistance ·comed.com/my-account/customer-support/payment-assistance/deposit-and-late-payment-charge-waiver-program ·comed.com/my-account/my-dashboard/understanding-my-bill/bill-support .
| ComEd Deferred Payment Arrangement |  Deferit | |
|---|---|---|
| How to access | Request online via My Account (check eligibility) or call 1-800-334-7661. Requires an active residential account not currently enrolled in an active arrangement and no default in the last 12 months. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | Remaining past-due balance spread over 4–12 months, added to the regular monthly bill. A down payment is required upfront. Due Date Extension (up to 21 extra days) is a separate shorter-term option. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by ComEd at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | AutoPay via bank account is free. The $2.00 processing fee applies at Authorized Agent and VeriD in-person payment locations. A standard late payment fee applies to any amount unpaid after the original due date. | 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 | Failure to pay each month in full under a Deferred Payment Arrangement results in default and may lead to collection actions. Continued non-payment may lead to service disconnection. ComEd is governed by Illinois Commerce Commission (ICC) tariffs on reconnection and deposits. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | ComEd bills only | ComEd 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 ComEd bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About ComEd
Does ComEd charge a late fee? ›
Yes. ComEd charges a standard late payment fee when a bill is not paid by the original due date. The specific rate is governed by ICC tariffs and is not published directly on comed.com pages. Even if you use a Due Date Extension (which gives up to 21 extra days), the late payment fee still applies after the original due date. Customers enrolled in LIHEAP or SARP have their late charges automatically waived.
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/due-date-extension ·comed.com/my-account/customer-support/payment-assistance/deposit-and-late-payment-charge-waiver-program
Can I split my ComEd bill? ›
ComEd does not offer a direct pay-in-4 split. Two options exist through ComEd directly: a Due Date Extension (up to 21 extra days, though a late fee still applies after the original due date) and a Deferred Payment Arrangement (DPA), which spreads a past-due balance over 4–12 months added to the regular monthly bill, with a down payment required upfront. For an actual 4-installment split with no down payment required, Deferit can pay your ComEd bill in full immediately and let you repay across 4 bi-weekly installments. Eligibility check before you commit.
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/payment-arrangements ·comed.com/my-account/my-dashboard/payment-options/due-date-extension
How do I pay my ComEd bill online? ›
You can pay online at comed.com through My Account (logged in) or as a guest at secure.comed.com/payments/payonline without creating an account. Guest pay requires your phone number plus the last 4 digits of your SSN/TIN, or your account number plus ZIP code. Bank account, credit card, and debit card are all accepted. AutoPay via bank account has no fees.
Retrieved June 2026 · Source: secure.comed.com/payments/payonline ·comed.com/my-account/my-dashboard/payment-options/automatic-payment
What happens if I miss a ComEd payment? ›
A standard late payment fee is added to your account after the original due date. If the balance remains unpaid, ComEd may proceed toward service disconnection in accordance with ICC rules. After a qualifying payment at an in-person location, customers with a smart meter have power restored within 2 hours. Reconnection and deposit requirements are governed by ICC tariffs. If you need more time, the Deferred Payment Arrangement or Due Date Extension programs may help.
Retrieved June 2026 · Source: comed.com/my-account/my-dashboard/payment-options/due-date-extension ·comed.com/my-account/my-dashboard/payment-options/payment-arrangements ·secure.comed.com/MyAccount/MyBillUsage/Pages/Payinperson.aspx
What assistance programs does ComEd offer? ›
ComEd offers several programs: the Low Income Discount (LID) Program (income-certified monthly discount), LIHEAP (federal Low Income Home Energy Assistance Program), SARP/Catch Up & Save (eliminates past-due balance and provides stabilized monthly billing), the Deposit and Late Payment Charge Waiver Program (waives deposits and late charges for one year for eligible low-income customers), and the Your Neighbor Fund (hardship giving). ComEd's Smart Assistance Manager (SAM) at comed.com helps determine which programs you qualify for.
Retrieved June 2026 · Source: comed.com/my-account/customer-support/payment-assistance ·comed.com/my-account/my-dashboard/understanding-my-bill/bill-support ·comed.com/my-account/customer-support/payment-assistance/deposit-and-late-payment-charge-waiver-program
How do I contact ComEd customer service? ›
Residential customer service: 1-800-334-7661 (Mon–Fri 7 a.m.–7 p.m., emergency and outage: 24/7). Shorter wait times are typically Tuesday through Friday between 11 a.m. and 4 p.m. Spanish-language service: 1-800-955-8237. Business customer service: 1-877-426-6331. Assistance Programs line: 1-888-806-2273. Pay by phone: 1-800-588-9477.
Retrieved June 2026 · Source: comed.com/my-account/customer-support/contact-us ·comed.com/my-account/customer-support/contact-us/contact-information
Where can I find my ComEd account number? ›
Your ComEd account number appears at the top of your paper bill and statement. It is also visible when you log in to My Account at comed.com. You will need your account number to make a guest payment online or to set up a payment arrangement.
Retrieved June 2026 · Source: comed.com/my-account ·secure.comed.com/payments/payonline
Customer Service Tips for ComEd Customers
Have these ready before you call. Account number, service address, billing ZIP code, last bill amount, and your preferred payment method. For residential customer service call 1-800-334-7661 (Mon–Fri 7 a.m.–7 p.m.). For faster service, shorter wait times are typically Tuesday through Friday between 11 a.m. and 4 p.m.
How to read your ComEd bill. A ComEd bill typically shows two main charge categories: supply charges (the cost of electricity itself, which may be set by ComEd or a competitive supplier) and delivery charges (ComEd's regulated cost to deliver electricity to your home, set by the ICC). Riders and taxes are itemized separately. If you are on Budget Billing, the bill also shows your actual usage versus the smoothed monthly amount and whether you are ahead or behind.
How to lower your bill. Review your kWh usage trend across recent bills and compare it to the same period last year. ComEd's Budget Billing program can smooth out seasonal spikes. AutoPay via bank account is free. Income-eligible customers can reduce costs through the Low Income Discount Program, LIHEAP, or SARP/Catch Up & Save. If the challenge is cash flow timing rather than reducing usage, Deferit's Pay-in-4 option can split your bill into 4 installments, subject to eligibility.
Retrieved June 2026 · Sources: comed.com/my-account/customer-support/contact-us ·comed.com/my-account/my-dashboard/billing-options/budget-billing ·comed.com/my-account/customer-support/payment-assistance .
Updated: June 2026