Billing & Payment Information

Pay Your Bill Now With Online Bill PayWelcome to Spencer Municipal Utilities! We appreciate your business. Here is some information related to your account with us.

SMU has a commitment to your privacy.
We follow federal privacy guidelines that require us to ask you for personal information like your social security number and driver’s license number. We appreciate your trust and work hard to protect this and all of your personal information. When you contact SMU, we will ask to verify your identity. We will also share account information including amount due and services subscribed to only those listed on your account. If you would like others to be listed on your account, please ask a Customer Service Representative for a Customer Privacy Verification Form.

A new or additional deposit may be required if a current customer whose initial deposit has been refunded or is found to be inadequate upon twelve days written notice of the need for such a requirement. The new or additional deposit shall ensure a total deposit equal to the two highest monthly billings for service during the previous twelve-month period and may apply to, but not limited to, customers who make two late payments in a twelve-month period or due to involuntary disconnection.

Deposits will be refunded in the form of a credit to a person’s active account when there is a twelve month history of on time payments.  When an account is disconnected, the deposit will be applied to the final balance due. Any remaining credit will be transferred to other balances owed to the Utility. If there is a credit remaining after the balances due has been paid in full, a refund check will be mailed to the forwarding address provided by the customer. Any credit amounts less than $5.00 a refund will not be issued, but instead donated to a local charity of the Utilities choice.

Billing Information
Your monthly statement provides a listing of your charges, payments and credits as well as special messages regarding service or rate changes.  Please take the time to read the monthly messages and to review your statement carefully to make sure your name and address are correct.  You will generally be billed at the same time each month.

Bill Explainer
If you have questions about what your bill means, take a look at our bill explainer. If you still have questions, you can certainly contact us!

Click Here to Download Our Helpful Bill Explainer. (PDF)

Utility Bills (Electric, Water, Sewer, and Garbage) are due the 20th of each month.
Communications Bills (Telephone, Internet, Video, and Cellular) are due the 15th of each month.
If not paid by the due date, a penalty will be applied to the account. After a grace period, a final notice will be mailed to all accounts with a past due balance. This will provide the amount past due and the date the bill must be paid in order to avoid disconnection.  Bills not paid by this date will be subject to a non-pay processing fee.

SMU understands that sometimes circumstances require you to make arrangements to delay payment of your bill. Please contact us as soon as you know you cannot pay the amount you owe. Payment plans are available and must be made in person at our Customer Service Center.

Bill Payment Options
SMU bills can be paid by automatic bank draft on the due date each month.  There is an ACH form to fill out and SMU will need a voided check to process this payment request. The form is available on our website or from our Customer Service Center. SMU also accepts credit card and debit card payments through our website. You will need your account number and the amount due to process your payment. SMU also accepts check and cash payments. These are accepted through the mail, in our drop box at 520 2nd Avenue East, Suite 1, and in person if needed.

Click here to start filling out the ACH form.

Gift Certificates
Spencer Municipal Utilities has gift certificates available for purchase if you’d like to give a gift. Just stop into our office at 520 2nd Avenue East, Suite 1 or give us a call at 580-5800 and we’ll get a gift certificate ready for you.
Visa   MasterCard   Discover
If you, a SMU customer, feel that you have processed a payment in error, please contact our customer service at 712-580-5800 or email us to request a refund.