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Payment options

Cotton Electric offers a variety of payment methods.

Choose one that works best for you.

Paying bills may not be your favorite responsibility, but Cotton Electric Cooperative offers a variety of ways to carry it out. Nearly every method requires your Cotton Electric account number, which can be found at the top left of your bill, just under your address. If you have multiple accounts, all numbers are required.

We are sure there is a payment method that works for you:

By mail

Use the return envelope that comes with a power bill. Enclose a check and the bottom portion of the bill. DO NOT SEND CASH.

In person

We accept cash, checks, money orders and credit cards at our headquarters, 226 N. Broadway in Walters, and at our Duncan office, 1101 W. Oak. Business hours at both offices are 8 a.m. to 5 p.m. Monday through Friday, except holidays.

Credit card payments can be made only by using devices in the lobbies at either office or the outside kiosk at the Duncan office. Credit cards will not be accepted for payment on commercial accounts.

Cash payments are also accepted at Liberty National Bank’s branches in Lawton, Medicine Park and Elgin.

By phone

Call 1-855-730-8711 to make a payment using a series of menu choices in an automated system. The system requires a Cotton Electric account number and credit/debit card or banking account numbers.

SmartHub electronic check / credit card

Members can sign up for online or mobile device account access and pay via electronic check or with Visa, MasterCard or Discover credit cards any time of day. Credit cards will not be accepted for payment on commercial accounts. First-time set-up requires a Cotton Electric account number.

Members using traditional computers can visit and click on the View & Pay Bill button. The button is a link to our SmartHub payment log in page. New users can select a link to sign up for access to the self-service site.

Members using smart phones or tablets can download the free SmartHub app at The app is available in versions compatible with Apple and Android devices.

There is no additional charge for using electronic check or credit card payment methods.

Monthly bank draft

This method requires an Authorization Agreement for Automatic Debit form and a voided, unsigned check. The forms are available at either office or can be downloaded HERE. We can also mail the form to you. Once it is filled out and returned, it takes a few days to arrange for your checking account to be drafted 10 days after your billing date each month.


Moneygram transactions are handled at Walmart and CVS stores anywhere in the United States. There is a fee for this transaction that requires cash or a debit card. Use billing code 7933. Moneygram locations can be found HERE.

Average Monthly Payment

Members needing help budgeting for electric bills may want to enroll in our Average Monthly Payment (AMP) plan. Qualifying members will have a 12-month billing history and the account should be in current status. This means that the current billing should not be past due, no unpaid balance should exist on the account and that previous credit history has been good.

The average of the previous 12 months is reflected in a monthly bill. The amount of each month’s bill will vary some due to fluctuations in fuel costs, variations in usage and rate changes. With AMP, instead of high and low bills as the seasons change, bill amounts will tend to flatten and be close to the same amount each month. Any of the payment methods listed above can be used when paying on accounts using the Average Monthly Payment plan.

Please contact our Member Service department at (580) 875-3351 to make sure that you qualify for this plan.

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