Biller name
Sand Mountain Electric Cooperative
HQ: Rainsville, AL
Legal name
Sand Mountain Electric Cooperative, Inc.
Website
Deferit is unaffiliated with Sand Mountain Electric Cooperative
Pay your Sand Mountain Electric Cooperative bill with Deferit
Earn 2% cashback on every bill you pay with Deferit.
Financing Option
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How to pay Support FAQ Split into installments
Sand Mountain Electric Cooperative Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 256-638-2153 |
Retrieved July 2026 · Source: smec.coop/onlineportal/Resources/Report-an-Outage ·billing.smec.coop/onlineportal/Contact-Us · current departmental phone numbers and hours of operation.
About Sand Mountain Electric Cooperative
Sand Mountain Electric Cooperative is an electric distribution utility serving portions of DeKalb, Jackson, and Marshall counties in northeast Alabama, with headquarters in Rainsville. Incorporated in 1940, the cooperative serves more than 30,700 members and maintains upwards of 3,000 miles of transmission line, purchasing power from the Tennessee Valley Authority.
Sand Mountain Electric Cooperative bills commonly include electricity consumption charges, demand charges, transmission and distribution fees, fuel cost adjustments, and applicable regulatory taxes. Deferit is unaffiliated with Sand Mountain Electric Cooperative.
How to Pay Your Sand Mountain Electric Cooperative Bill
- Phone: Call 1-256-638-2153 for customer service billing inquiries.
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Need to split your Sand Mountain Electric Cooperative bill into installments?
Retrieved July 2026 · Source: smec.coop.
| Sand Mountain Electric Cooperative payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check Sand Mountain 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 Sand Mountain Electric Cooperative offers payment arrangements, limits are set by Sand Mountain 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 Sand Mountain 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 Sand Mountain 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 Sand Mountain 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 | Sand Mountain Electric Cooperative bills only | Sand Mountain 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 Sand Mountain Electric Cooperative bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About Sand Mountain Electric Cooperative
Can I use Deferit to pay my Sand Mountain Electric Cooperative bill? ›
Yes. Enter your Sand Mountain Electric Cooperative bill amount in Deferit and we pay Sand Mountain Electric Cooperative in full right away. You repay us in 4 bi-weekly installments.
What payment methods does Sand Mountain Electric Cooperative accept? ›
Sand Mountain Electric Cooperative typically accepts online payments via credit card, debit card, or bank transfer. Visit smec.coop or contact their support team for the most up-to-date options.
Does Sand Mountain Electric Cooperative offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit Sand Mountain 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 Sand Mountain Electric Cooperative bill on time? ›
Contact Sand Mountain 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