Biller name
DTE Energy
HQ: Detroit, MI
Legal name
DTE Energy Co.
Website
Also known as
DTE Electric · DTE Gas · DTE Gas Company
Deferit is unaffiliated with DTE Energy
Pay your DTE Energy 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
DTE Energy Account & Billing Support
| Department | Number / Channel | Hours |
|---|---|---|
| Residential billing and payment Main | (800) 477-4747 | Mon-Fri 8a-6p · Sat 8a-2p |
| Business billing | (855) 383-4249 | Mon-Fri 8a-6p |
| Online chat | dteenergy.com | Mon-Fri 8a-5p |
| Social messaging | dteenergy.com social channels | 7 days/week 8a-11p |
| Gas leak emergency | (800) 947-5000 | 24/7 |
Retrieved June 2026 · Source: dteenergy.com/us/en/quicklinks/contact-us.html · current departmental phone numbers and hours of operation.
DTE Energy Bill Types
About DTE Energy
DTE Energy Co. (NYSE: DTE) is a Detroit-based diversified energy company. Its principal operating utilities are DTE Electric Company, which provides electricity to approximately 2.3 million customers in southeastern Michigan, and DTE Gas Company, which serves approximately 1.4 million customers across Michigan.
DTE Energy bills commonly include electric service charges, natural gas charges, distribution and delivery fees, taxes, and any applicable program charges. Deferit is unaffiliated with DTE Energy.
How to Pay Your DTE Energy Bill
- Online: dteenergy.com (signed in) · checking/savings free · card $2.99 fee · Guest Pay at payment.dteenergy.com/guest-pay accepts cards only.
- Mobile app: DTE Energy Mobile App · iOS and Android.
- Phone: (800) 477-4747 automated system · checking, savings, or debit/credit card.
- Mail: DTE Energy · P.O. Box 740786 · Cincinnati, OH 45274-0786 · allow 5 business days.
- In-person: DTE kiosks (cash or personal check, free) · authorized pay agents across Michigan.
- With Deferit: Pay with Deferit and split the bill into 4 installments, once every two weeks. Deferit pays DTE Energy in full immediately. Learn more →
Payment Methods & Addresses
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/billing/ways-to-pay.html ·payment.dteenergy.com/guest-pay ·dteenergy.com/us/en/quicklinks/card-processing-fee.html ·dteenergy.com/us/en/quicklinks/contact-us.html .
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Late payment fee | 2% of the unpaid balance | Applied to any balance not paid in full by the due date. Bills are due 17 days after mailing. Late payment may trigger shutoff action on any/all meters on the account. |
| Returned payment (NSF) fee | $15 | Assessed on your next bill when a financial institution returns a payment for non-sufficient funds. Appears as 'Bank Returned Check Charge' on your statement. One returned payment in 12 months may trigger a Payment Restriction limiting accepted payment methods. |
| Card processing fee | $2.99 flat per transaction (residential) | Applies to Visa, Mastercard, or Discover debit or credit card payments online, in-app, or by phone. Processed by Paymentus. Does not apply to checking/savings account payments or kiosk payments. |
| Reconnection fee | Amount not published on dteenergy.com | A reconnection fee applies if service is disconnected for non-payment. The specific dollar amount is not listed on any captured DTE Energy help page. |
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/faq/payments.html ·dteenergy.com/us/en/residential/billing-and-payments/billing/payment-issues.html ·dteenergy.com/us/en/quicklinks/card-processing-fee.html
Need to split your DTE Energy bill into installments?
DTE Energy offers a Payment Agreement (installment plan) to all customers who need additional time to pay a past-due balance. It requires an initial down payment, with the remaining arrears spread across monthly installments in addition to ongoing energy charges. No late fees are charged while on a Payment Agreement. Set up online or by calling (800) 477-4747.
The Shutoff Protection Plan is available to income-qualified customers and senior citizens year-round. It combines past-due balance and future energy charges into one monthly payment and protects from disconnection for 12 months.
Additional programs include BudgetWise Billing (levelized billing), the Low-Income Self-Sufficiency Plan (LSP), State Emergency Relief (SER), the Michigan Energy Assistance Program (MEAP), the Home Heating Credit, Heat and Warmth Fund, Salvation Army assistance, and Winter Protection. Contact United Way at 211 for energy assistance referrals.
If the goal is to pay the bill in full now and split the cost into smaller repayments, Deferit can pay an eligible DTE Energy bill on your behalf and let you repay it in 4 smaller installments.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/payment-agreement.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/shutoff-protection-plan.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/low-income-programs.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/general-assistance.html ·dteenergy.com/us/en/residential/billing-and-payments/billing/payment-programs.html .
| DTE Energy Payment Agreement |  Deferit | |
|---|---|---|
| How to access | Set up online through your DTE Energy account (eligible accounts see a message when signed in) or by calling (800) 477-4747. | Sign up, take a picture of your bill, and Deferit pays it on your behalf. Online or in app. |
| Maximum split | Requires an initial down payment; the remaining past-due balance is spread across monthly installments added on top of ongoing energy charges. The program covers arrears only, not the current bill. | 4 installments, once every two weeks, up to your Deferit balance |
| Eligibility & approval | Decided by DTE Energy at request time based on account status | Monthly Deferit membership, no lock-ins. Cancel anytime. |
| Fees & interest | No late fees while on a Payment Agreement. A $2.99 flat card-processing fee applies to card payments (residential). Checking and savings account payments are free. | 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 | Missing a payment while on a Payment Agreement may result in the account becoming eligible for shutoff action. A 2% late fee applies to any balance not paid in full by the due date. A reconnection fee applies if service is disconnected; the specific amount is not published on dteenergy.com. | You can reschedule a repayment date in the app before it's due. Late fees may apply depending on your Deferit membership.* |
| Works for | DTE Energy bills only | DTE Energy 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 DTE Energy bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About DTE Energy
Does DTE Energy charge a late fee? ›
Yes. DTE Energy charges a 2% late fee on any balance not paid in full by the due date. Bills are due 17 days after mailing. A late payment may also trigger shutoff action on any or all meters associated with the account.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/faq/payments.html
What happens if I miss a DTE Energy payment? ›
A 2% late fee is charged on the unpaid balance. The account may become eligible for shutoff action, and a reconnection fee applies if service is disconnected. Additionally, if a payment is returned by your bank (NSF), DTE Energy assesses a $15 fee on your next bill and may restrict future payment methods for 12 months.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/faq/payments.html ·dteenergy.com/us/en/residential/billing-and-payments/billing/payment-issues.html
Can I split my DTE Energy bill? ›
DTE Energy does not offer a way to split a current bill before it is due. Its Payment Agreement program helps customers pay off past-due balances in monthly installments (with an initial down payment), and the Shutoff Protection Plan is available to income-qualified customers. For splitting a current bill into installments before the due date, Deferit can pay your DTE Energy bill in full immediately and let you repay in 4 bi-weekly installments. Eligibility check before you commit.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/payment-agreement.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/shutoff-protection-plan.html
How do I pay my DTE Energy bill online? ›
Sign in at dteenergy.com to pay using a checking or savings account (free) or a Visa, Mastercard, or Discover debit or credit card ($2.99 flat fee per transaction). Guest Pay at payment.dteenergy.com/guest-pay accepts debit or credit cards only (no bank account). You can also pay through the DTE Energy Mobile App on iOS or Android, or by calling the automated phone system at (800) 477-4747.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/billing/ways-to-pay.html ·dteenergy.com/us/en/quicklinks/card-processing-fee.html ·payment.dteenergy.com/guest-pay
What assistance programs does DTE Energy offer? ›
DTE Energy offers several programs for customers struggling to pay. The Payment Agreement lets any customer pay a past-due balance in monthly installments with no late fees. The Shutoff Protection Plan (income-qualified and seniors) combines past-due and future charges into one monthly payment with disconnection protection. Other programs include the Low-Income Self-Sufficiency Plan, State Emergency Relief, the Michigan Energy Assistance Program (MEAP), the Home Heating Credit, BudgetWise Billing, and referrals through United Way at 211.
Retrieved June 2026 · Source: dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/payment-agreement.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/shutoff-protection-plan.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/low-income-programs.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/general-assistance.html
How do I contact DTE Energy billing support? ›
For residential billing and payment, call (800) 477-4747 (Mon-Fri 8a-6p, Sat 8a-2p). Online chat is available at dteenergy.com Mon-Fri 8a-5p. Social messaging is available 7 days a week from 8a-11p. For business billing, call (855) 383-4249 (Mon-Fri 8a-6p). For gas emergencies, call (800) 947-5000 any time, 24/7.
Retrieved June 2026 · Source: dteenergy.com/us/en/quicklinks/contact-us.html
Is there a fee for paying my DTE Energy bill by card? ›
Yes. DTE Energy charges a $2.99 flat fee per transaction for residential card payments (Visa, Mastercard, or Discover debit or credit card), regardless of whether you pay online, by app, or by phone. This fee is collected by Paymentus, a third-party processor; DTE Energy does not receive any portion. Paying by checking or savings account is free. Kiosk payments (cash or personal check) are also free.
Retrieved June 2026 · Source: dteenergy.com/us/en/quicklinks/card-processing-fee.html ·dteenergy.com/us/en/residential/billing-and-payments/billing/ways-to-pay.html
Customer Service Tips for DTE Energy Customers
Have these ready before you call. Your DTE Energy account number, service address, last bill amount, and preferred payment method. For residential billing and payment support call (800) 477-4747 (Mon-Fri 8a-6p, Sat 8a-2p). For gas emergencies call (800) 947-5000 any time, day or night.
How to read charges on a DTE Energy bill. DTE bills separate electric and gas service charges. Look for Distribution and Delivery charges, which cover the cost of getting energy to your home, as well as Supply charges for the energy itself. Taxes and any program charges (such as BudgetWise Billing adjustments or low-income surcharges) appear as separate line items. A returned payment appears as 'Bank Returned Check Charge' under Other Charges and Credits.
How to lower your bill. Enroll in BudgetWise Billing to spread costs evenly across the year and avoid seasonal spikes. Check whether you qualify for the Low-Income Self-Sufficiency Plan, MEAP, or Home Heating Credit by contacting United Way at 211. Review your energy usage in the DTE Energy Mobile App and identify high-use appliances. 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: dteenergy.com/us/en/residential/billing-and-payments/billing/ways-to-pay.html ·dteenergy.com/us/en/quicklinks/contact-us.html ·dteenergy.com/us/en/residential/billing-and-payments/energy-assistance/low-income-programs.html ·dteenergy.com/us/en/residential/billing-and-payments/billing/payment-programs.html .
Updated: June 2026