How to Pay Your Saginaw Water Bill: Complete Guide for TX & MI Residents

Are you tired of figuring out how to pay your water bill in Saginaw? Whether you’re in Saginaw, Texas or Saginaw, Michigan, I’ve got you covered! As a resident who’s dealt with utility payments in both cities, I’m sharing the easiest ways to handle your water bill without the hassle

Let me tell you there’s nothing worse than forgetting to pay your water bill and facing those annoying late fees or, even worse service disconnection! But don’t worry – both cities offer multiple convenient payment options that I’ll break down for you.

Saginaw, Texas Water Bill Payment Options

If you’re living in sunny Saginaw, TX, the City of Saginaw Utility Billing Department gives you several ways to pay your water bill. Here’s what you need to know:

Pay Online

The easiest way to pay your Saginaw, TX water bill is through their online utility payment portal. Here’s how:

1. Have your utility bill handy
2. Log into the portal using your account number and PIN (8-digit number below the account number)
3. Hover over “Action to Perform” button
4. Select “Make a one time payment”

If you forgot your PIN/Password, just click “Forgot Password” or call the Utility Billing Office at 817-232-4640 for help.

Pay by Phone

For those days when you’re super busy but need to pay your bill ASAP:

• Call the 24/7 automated system at 817-968-3050
• Have ready: utility account number, account PIN, and zip code
• Payment methods accepted: Visa and MasterCard

Important note: The City of Saginaw Utility Billing staff cannot take payments over the phone for security reasons, so you must use the automated line.

Pay by Mail

Old-school but reliable:

• Use the return envelope included with your bill
• Enclose the return portion of your statement
• Make checks/money orders payable to City of Saginaw
• Mail to: City of Saginaw, P.O. Box 79079, Saginaw, Texas 76179

NEVER SEND CASH IN THE MAIL! I made this mistake once and learned the hard way!

Pay in Person

If you prefer face-to-face service:

Utility Billing Office

• Address: 333 W. McLeroy Blvd, Saginaw, TX 76179
• Hours: Monday – Thursday (7:30AM – 5:30PM), Friday (7:30AM – 11:30AM)
• Accepted payments: cash, check, money order, credit/debit card (Visa/MasterCard only)

Drive Thru (east side of City Hall)

• Accept: credit/debit cards (Visa/Mastercard only), checks, money orders, cash

Dropbox (east side of City Hall)

• Accept: checks and money orders ONLY
• Don’t leave cash in the dropbox (seriously, don’t do it!)

Autopay Options

Want to never worry about forgetting a payment again? Set up autopay!

Online Autopay:

1. Log in to your online payment account
2. Change your assigned PIN to a password of your choice
3. Drop down the action box and select BANK DRAFT

Bank Draft Authorization:

1. Complete an Automatic Payment Authorization Form
2. Provide a government ID and voided check showing routing/account number

Payment Extensions for Hard Times

We’ve all been there – sometimes money gets tight. If you’re experiencing financial hardship, Saginaw TX offers payment extensions:

• Extensions can be up to 5 days from the due date
• Limited to 4 extensions per calendar year
• Must have 3 months of on-time payment history
• Balance can’t exceed $400
• Must submit request form by 4:30 PM the day before disconnection

Don’t wait until the last minute! Submit your payment extension request form early.

Payment Assistance

If you’re really struggling, check these resources:

• Fort Worth Community Actions Partners: Apply online or call 817-392-5795 (mailed application) or 817-392-2276 (online application)
• Other local entities – contact the Utility Billing Office for info

Saginaw, Michigan Water Bill Payment Options

Now, for those living in Saginaw, Michigan, you also have several convenient ways to pay your water bill:

In-Lobby Payments

Visit City Hall to pay in person:

• Accept: Cash, Check, Cashier’s Check, Money Order, and Credit Cards (Visa, Mastercard, Discover, American Express)
• Note: They don’t offer contactless payments like PayPass, Apple Pay, or Google Pay in person
• If your water service is shut off, you can’t pay by check unless it’s from a Church or a Certified Cashier’s Check

Online Payments

Saginaw MI offers even more online payment options through InvoiceCloud:

• ACH (eCheck)
• Credit Cards (Visa, Mastercard, Discover, American Express)
• Mobile Digital Wallets (ApplePay, GooglePay)
• Venmo and PayPal options, including:
  • “Buy Now, Pay Later – Pay in 4 Installments”
  • “Checkout With Crypto – Bitcoin, Ethereum, and Litecoin”
  • Traditional credit/debit card and bank account linking

Visit the BSA Online Website to make a payment.

By Mail

If you prefer sending your payment:

• Accept: Check, Cashier’s Check, or Money Order (NO CASH!)
• Mail to: Treasurer, City of Saginaw, 1315 S. Washington Ave., Saginaw, MI 48601
• Important: They don’t honor postmark dates, so if they receive your payment after the due date, you might get hit with late fees

By Telephone

Pay anytime with their automated system:

• Call: 855-786-3549 (have your bill handy)
• Accept: Credit Cards (Visa, Mastercard, Discover, American Express) or ACH (eCheck)
• Available 24 hours a day for select billing types

By Text

For the tech-savvy folks:

• Uses your default stored payment method from your InvoiceCloud account
• Set up through your InvoiceCloud account for select billing types

Online Bank Direct

Some banks offer a service to send payments on your behalf:

• Depending on your bank and the info you provide, this might be processed electronically or sent by mail
• Remember: They don’t honor postmark dates, so if they receive your payment after the due date, a late fee may be assessed

Using BS&A Online System

Saginaw MI also uses the BS&A Online system for utility billing payments:

1. Go to the BS&A Online website
2. Choose to search by:
   • Account Number
   • Name
   • Address
   • Parcel Number
3. Select your account and follow the prompts to make payment

Important note: DO NOT PAY BY EFT/CHECK IF YOU HAVE BEEN TURNED OFF OR HAVE A RED-TAG SHUT OFF NOTICE. Any past due balances must be paid to avoid shut-off.

Tips for Managing Your Saginaw Water Bill

Whether you’re in Texas or Michigan, here are some tips I’ve found helpful:

Sign Up for Paperless Billing

Both cities offer paperless billing options:

• Saginaw TX: Set up through your online account
• Saginaw MI: Select “Go Paperless” option through InvoiceCloud

Set Up Automatic Payments

Never miss a payment again:

• Saginaw TX: Bank draft authorization or online autopay
• Saginaw MI: AutoPay (full balance paid on due date) or scheduled recurring payments (you pick amount and frequency)

Know Your Due Dates

In Saginaw TX:

• To receive same-day credit, payments must be posted no later than 5:30PM
• Payments posted after this time on the due date or disconnect date will get additional fees

In Saginaw MI:

• Due dates are clearly marked on your bill
• Late fees apply if not received by due date (regardless of postmark)

Check for Leaks Regularly

High water bills often mean leaks! Both cities offer resources:

• Saginaw TX: “Track your Water” program
• Saginaw MI: Contact Utility Billing department for assistance

FAQ About Saginaw Water Bill Payments

Q: What happens if I’m late on my water bill payment?

A: In both cities, late payments can result in late fees and possible service disconnection. In Saginaw TX, you may request a payment extension in advance. In Saginaw MI, you’ll need to pay the full balance to avoid shut-off if you’ve received a red-tag notice.

Q: Can I use a credit card for all payment methods?

A: Not always. In Saginaw TX, the dropbox only accepts checks and money orders. In Saginaw MI, all payment methods accept credit cards except mail payments.

Q: What if I’m moving and need to stop service?

A: Both cities require notification to stop service:

• Saginaw TX: Complete a Start/Stop/Transfer form
• Saginaw MI: Contact the Utility Billing department directly

Q: Are there processing fees for online payments?

A: Yes, both cities use third-party payment processors that may charge convenience fees:

• Saginaw TX: Fees vary based on payment method
• Saginaw MI: Any transaction through InvoiceCloud may be subject to a processing fee

Conclusion

Paying your Saginaw water bill doesn’t have to be complicated! Whether you’re in Texas or Michigan, both cities offer multiple convenient options to fit your lifestyle and preferences. From online payments to automatic drafts, text payments to in-person service – you’ve got choices!

I personally prefer setting up autopay so I never have to worry about due dates, but everyone’s different. The most important thing is finding what works for your situation and sticking with it to avoid those pesky late fees and service interruptions.

Have you found other clever ways to manage your utility bills? I’d love to hear about them in the comments below!