Navigating DEMCO Online Bill Pay: Your Complete Guide to MyDEMCO

Are you tired of writing checks or making trips to pay your electricity bill? DEMCO’s online bill payment system might be just what you need! As a DEMCO member myself I’ve found their MyDEMCO portal to be a real game-changer for managing my account. Let me walk you through everything you need to know about using DEMCO’s online bill pay services.

What is MyDEMCO?

MyDEMCO is DEMCO’s comprehensive online account management system that gives members convenient access to their accounts whenever and wherever they need it. The system offers numerous self-service features beyond just bill payment, making it easier than ever to manage your electric service.

As the DEMCO website explains: “MyDEMCO is a new way of doing business with your DEMCO Cooperative. Our new business system features changes and improvements online, on our mobile app, through our automated telephone system and on your bill.”

Getting Started with MyDEMCO Online Bill Pay

1. Creating Your Account

Before you can pay your bill online, you’ll need to register for a MyDEMCO account. Here’s how to do it:

• Visit DEMCO.org and click “Register” in the top right corner
• Have your DEMCO account number ready (found on your bill)
• Provide your last name or business name
• Enter the email address you want associated with your account
• Complete the security verification (either your ZIP code or last bill amount)
• Check your email for a verification link
• Create your password and security phrase

2. Downloading the Mobile App

If you prefer using your smartphone, DEMCO offers a mobile app that makes bill payment even more convenient

• Search for “MyDEMCO” in the Apple App Store or Google Play
• Download the free app
• Log in using your email and password (the same ones you use on the website)

Ways to Pay Your DEMCO Bill Online

Once you’re registered you have several options for paying your bill online

1. One-Time Payments

The simplest way to pay your bill online is through a one-time payment:

• Log in to your MyDEMCO account at DEMCO.org or through the mobile app
• Click “Pay My Bill” in the Quick Links box or select “Billing and Payments” tab
• Select the account(s) you want to pay
• Review or adjust the payment amount
• Click “Pay Now” and follow the prompts
• Select your payment method (credit/debit card or e-check)

Don’t want to log in? DEMCO also offers a “Pay Now” button on their homepage for quick payments without logging in.

2. Auto Pay Program

I personally use this option because it’s so darn convenient! With Auto Pay, your bill gets paid automatically each month, so you never have to worry about due dates or late fees.

To enroll in Auto Pay:

• Log in to your MyDEMCO account
• Go to “Billing & Payments” > “Auto Pay Program” > “Sign Up for Auto Pay”
• Follow the prompts to complete registration
• Provide your bank account info or credit/debit card details

Remember, your total amount due must be paid before you can enroll in Auto Pay!

3. Automated Phone System

Not comfortable using the internet? You can still pay electronically through DEMCO’s automated phone system:

• Call 1-844-MyDEMCO (1-844-693-3626)
• Select Option 2 for Billing & Payment Inquiries
• Follow the prompts to make a payment

Managing Multiple Accounts

Got several DEMCO accounts? No problem! MyDEMCO makes it easy to handle multiple accounts:

• In “Billing & Payments” on the website or “Bill & Pay” in the app
• Check the boxes next to the accounts you want to pay
• Adjust payment amounts as needed
• Pay all selected accounts with one transaction

This feature has been a lifesaver for me since I manage accounts for both my home and rental property!

Setting Up Stored Payment Methods

To make future payments faster, you can store your payment information:

• Log in to MyDEMCO
• Go to “My Profile” > “Manage My Stored Payment Accounts”
• Follow the prompts to save your bank account or card information
• You can store multiple payment methods for flexibility

Understanding Your Bill Online

One of the best things about MyDEMCO is the detailed information it provides about your bill:

Bill Components Explained

Your online bill breaks down all charges, including:

• Basic customer charge
• Energy usage charges
• PCA (Power Cost Adjustment) – This represents wholesale power costs that fluctuate monthly
• For commercial customers: KVA Min Up Charge (if applicable)

Energy Usage Monitoring

MyDEMCO offers excellent tools for tracking your energy consumption:

• Go to “My Usage” > “Usage Explorer” on the website or tap “Usage” in the app
• View your usage by month, day, or even hour (if you have a smart meter)
• Compare usage between billing periods
• See how temperature affects your energy use
• Set up usage alerts to stay under budget

Going Paperless

Want to reduce paper clutter? Sign up for paperless billing:

• On the website: Go to “My Profile” > “Update My Paperless Settings” and toggle to “ON”
• On the mobile app: Tap “More” > “Settings” > “Paperless Billing” and toggle on

Even if you don’t sign up for paperless billing, you’ll get an email notification when your bill is available if DEMCO has your email address on file.

Setting Up Notifications

MyDEMCO can send you alerts about various account activities:

• Billing notifications – Get reminders when bills are ready or due
• Service notifications – Receive alerts about outages or service issues
• Usage notifications – Set thresholds for energy usage alerts

To set these up:

1. Log in to your MyDEMCO account
2. Go to “Notifications” > “Manage Contacts” to add/update contact info
3. Then go to “Manage Notifications” to select which alerts you want

Beyond Bill Payment: Other MyDEMCO Features

While online bill payment is the main reason many people use MyDEMCO, the system offers many other useful features:

Reporting Outages

• Click “Report Outage” at the top of any page on DEMCO.org
• Or tap “Report Outage/Inquiry” in the mobile app
• You can also check outage status through the outage map

Service Requests

Need a security light repair or tree trimming? Submit requests online:

• Log in and select “Request Service” or “Contact Us” > “Make a Service Request”
• On the mobile app, tap “Report Outage/Inquiry”

Account Updates

Update your contact information, service preferences, and more:

• On the website: Go to “My Profile” > “My Information”
• On the app: Tap “More” > “Settings”

Troubleshooting Common Issues

Password Problems

If you’ve forgotten your password or it’s not working:

• Go to the password reset page at DEMCO.org
• Enter your account number, last name/business name, and email
• Follow the prompts to reset your password

Account Number Changes

DEMCO updated their system in 2021, which resulted in new account numbers:

• Your new account number can be found on your bill in the top right corner
• If you need help, use the “Account Look Up” tool on the homepage

Security Features

DEMCO takes security seriously with features like:

• Email verification during registration
• Security phrases for payment verification
• Encrypted transactions
• PIN requirements for check-by-phone payments

Tips from a Fellow Member

As someone who’s been using MyDEMCO for a while now, here are some tips I’ve found helpful:

• Set up Auto Pay – This has saved me from late fees more times than I can count!
• Use the mobile app – It’s quicker than the website on your phone and works great for on-the-go payments
• Monitor your usage – The usage tools can help identify energy-wasting patterns
• Sign up for alerts – Usage alerts help me keep my bill within budget
• Save multiple payment methods – Having options makes life easier!

Frequently Asked Questions

Q: Is there a fee for using MyDEMCO online bill pay?
A: No, DEMCO doesn’t charge any fees for using their online payment system.

Q: Do I have to use MyDEMCO to pay my bill?
A: No, you can continue to pay your bill through other methods like mail or in-person payments.

Q: How current is the account information in MyDEMCO?
A: The information displays in real-time, but you should refresh the page if you keep it open for a long time.

Q: What if I get an email asking for my DEMCO account information?
A: Be careful! DEMCO will never email or call asking for credit card numbers, bank account info, or other personal information. Report suspicious communications to DEMCO at 1-844-693-3626.

Final Thoughts

DEMCO’s online bill pay system makes managing your electric service simpler and more convenient than ever before. Whether you’re checking your usage, paying a bill, or reporting an outage, MyDEMCO puts everything at your fingertips.

For me, the biggest benefit has been the peace of mind that comes with Auto Pay and usage alerts. I never worry about missing a payment, and I can easily track how much electricity I’m using throughout the month.

If you haven’t tried MyDEMCO yet, I highly recommend giving it a shot. The registration process only takes a few minutes, and the convenience is well worth it. You can get started today by visiting DEMCO.org/mydemco or downloading the MyDEMCO mobile app!

Remember, if you ever need assistance with MyDEMCO, DEMCO’s member services representatives are available via live chat Monday through Friday, 8:00 AM to 4:30 PM, or by calling 1-844-MyDEMCO (1-844-693-3626).