Biller name
Marshall-DeKalb Electric Cooperative
HQ: Boaz, AL
Legal name
MARSHALL-DEKALB ELECTRIC COOPERATIVE
Website
Deferit is unaffiliated with Marshall-DeKalb Electric Cooperative
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How to pay Payment methods Support Late fees FAQ Split into installments
Marshall-DeKalb Electric Cooperative Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 800-239-3692 |
| Emergency / Outage | 256-593-4262 |
Retrieved July 2026 · Source: mdec.org/contact ·mdec.org/outage-center · current departmental phone numbers and hours of operation.
About Marshall-DeKalb Electric Cooperative
Marshall-DeKalb Electric Cooperative is a 501(c)(12) electric utility cooperative based in Boaz, Alabama, incorporated in 1942. The cooperative serves members across its service territory, deriving approximately 78-79% of total revenue from member payments, with total assets exceeding $100 million as of fiscal year 2025.
Marshall-DeKalb Electric Cooperative bills commonly include membership fees, energy consumption charges based on kilowatt-hour usage, demand charges, monthly service or facility charges, transmission and distribution fees, fuel cost adjustment charges, and applicable taxes. Deferit is unaffiliated with Marshall-DeKalb Electric Cooperative.
How to Pay Your Marshall-DeKalb Electric Cooperative Bill
- Online: Pay online through Member Portal or Prepay Portal at https://www.mdec.org/
- Phone: Call 1-800-239-3692
- Mail: Mail payment to PO Box 724, Albertville, AL 35957
- In-Person: Pay at Main Office kiosk (10025 Alabama State Route 168, Boaz, AL 35957) or Kilpatrick Pharmacy kiosk; night deposit available at Main Office foyer
- Auto-Pay: Enroll in automated bank draft through the website or by calling (256) 593-4262
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved July 2026 · Source: mdec.org/ways-to-pay ·mdec.org/contact-us ·mdec.org.
Late Fees & Payment Policies
| Policy / Fee | Amount | Notes |
|---|---|---|
| Reconnection fee | $25 | |
| Deposit | $100 to $300 (with credit check and Social Security Number); $500 (without Social Security Number) | |
| Late payment fee | Varies by state / not published |
Retrieved July 2026 · Source: mdec.org/fees-deposits ·mdec.org/understanding-my-bill
Need to split your Marshall-DeKalb Electric Cooperative bill into installments?
Retrieved July 2026 · Source: mdec.org.
| Marshall-DeKalb Electric Cooperative payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Marshall-DeKalb Electric Cooperative'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 Marshall-DeKalb Electric Cooperative offers payment arrangements, limits are set by Marshall-DeKalb Electric Cooperative 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 Marshall-DeKalb Electric Cooperative 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 Marshall-DeKalb Electric Cooperative'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 Marshall-DeKalb Electric Cooperative 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 | Marshall-DeKalb Electric Cooperative bills only | Marshall-DeKalb Electric Cooperative 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 Marshall-DeKalb Electric Cooperative bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Marshall-DeKalb Electric Cooperative
Can I use Deferit to pay my Marshall-DeKalb Electric Cooperative bill? ›
Yes. Enter your Marshall-DeKalb Electric Cooperative bill amount in Deferit and we pay Marshall-DeKalb Electric Cooperative in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Marshall-DeKalb Electric Cooperative accept? ›
Marshall-DeKalb Electric Cooperative typically accepts online payments via credit card, debit card, or bank transfer. Visit mdec.org or contact their support team for the most up-to-date options.
Does Marshall-DeKalb Electric Cooperative offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Marshall-DeKalb Electric Cooperative's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my Marshall-DeKalb Electric Cooperative bill on time? ›
Contact Marshall-DeKalb Electric Cooperative 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