Biller name
SMECO
HQ: Hughesville, MD
Legal name
SMECO
Website
Deferit is unaffiliated with SMECO
Pay your SMECO 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 FAQ Split into installments
SMECO Account & Billing Support
| Department | Number / Channel |
|---|---|
| Customer Service Main | 888-440-3311 |
| Emergency / Outage | 877-747-6326 |
| TTY | 800-735-2258 |
Retrieved June 2026 · Source: smeco.coop/contact · current departmental phone numbers and hours of operation.
About SMECO
Southern Maryland Electric Cooperative (SMECO) is an electric distribution cooperative headquartered in Hughesville, Maryland, serving approximately 161,000 customers in Calvert, Charles, Prince George's, and St. Mary's counties of southern Maryland. As a nonprofit organization, SMECO passes all costs directly to its member-customers without markup or profit.
SMECO bills commonly include electricity distribution charges, transmission and distribution fees, taxes, and demand charges. Deferit is unaffiliated with SMECO.
How to Pay Your SMECO Bill
- Online: Pay via Account Manager or Pay Your Bill portal at https://www.smeco.coop/my-account/quick-ways-to-pay/ using checking account or Visa, MasterCard, Discover
- Phone: Call 1-888-440-3311 for customer service or 1-866-528-7757 for Direct Pay 24/7
- Mail: Mail check to PO Box 62261, Baltimore, MD 21264-2261
- Auto-Pay: AutoPay program for automatic monthly payments from bank account or Visa, MasterCard, Discover card
- App: Free SMECO 24/7 mobile app available for payments
- In-Person: Pay in person at SMECO offices in Hughesville or Leonardtown, MD
- With Deferit: pay now and split into 4 installments, once every two weeks. Learn more →
Payment Methods & Addresses
Retrieved June 2026 · Source: smeco.coop.
Need to split your SMECO bill into installments?
Retrieved June 2026 · Source: smeco.coop.
| SMECO payment arrangement |  Deferit | |
|---|---|---|
| How to access | Check SMECO'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 SMECO offers payment arrangements, limits are set by SMECO 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 SMECO 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 SMECO'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 SMECO 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 | SMECO bills only | SMECO 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 SMECO bill with Deferit
Earn 2% cashback on every bill, redeemed off your next payment. No subscription fee.
Common Questions About SMECO
Can I use Deferit to pay my SMECO bill? ›
Yes. Enter your SMECO bill amount in Deferit and we pay SMECO in full right away. You repay us in 4 bi-weekly installments.
What payment methods does SMECO accept? ›
SMECO typically accepts online payments via credit card, debit card, or bank transfer. Visit smeco.coop or contact their support team for the most up-to-date options.
Does SMECO offer autopay? ›
Most billers offer automatic payment to help avoid late fees. Visit SMECO's website or app to check whether autopay is available and how to enroll.
What do I do if I can't pay my SMECO bill on time? ›
Contact SMECO 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: June 2026