Pay your bills online

Learn how to use your Citizens credit card to pay all your bills.

Woman making online payment with credit card

Bill Payment made easier. Many service providers accept credit cards as a form of payment for many bills — from utilities such as electric companies and cable companies, to home services such as security monitoring and pest control.

Bill Payment helps you:

Eliminate check-writing hassles
Make last-minute payments
Keep track of due dates and avoid late payment fees
Earn rewards
Save postage costs and time
Consolidate your expenses onto your Mastercard® credit card account.

Payment Options:

Manual bill pay – This option allows you to choose which bills to pay, when to pay, and how much to pay. After reviewing your bill, you simply call your service provider or visit their Web site to initiate a payment prior to the due date.
Automatic bill pay – You arrange this convenient payment option directly with your service providers and your bills are automatically paid monthly, weekly, or quarterly, depending upon your agreement with the service provider. The pre-authorized amount can be a fixed dollar amount, or it can fluctuate like your phone bill, depending on the terms of the agreement. The plan is flexible, too — you can stop automatic payments at any time or use this payment method indefinitely.

Bill Payment

This convenient service allows you to review your paper or electronic bills and select which ones you wish to pay with your credit card. You will need to contact your service provider(s) (by phone or visit their Web site) to set up the payment service. Through manual bill payment you can select the amount to pay and the date on which you want to make payment. Each time a bill is due you initiate the payment process.
Automatic bill payment is an arrangement you set up with your service provider to pre-authorize them to automatically charge your credit card account on a regular basis. Depending upon your agreement with the service provider, payments may be made monthly, weekly, or quarterly. The pre-authorized payment can be a fixed dollar amount, or it can fluctuate like your phone bill for the total amount due for the time period. You can stop automatic payments at any time by contacting your service provider or you can use this payment method indefinitely.
Using your credit card is much faster and more convenient than writing checks and saves on stamps. You can initiate payments at anytime and from anywhere in the world^†. Charges will appear on your monthly account statement, so it is an easy and efficient way to stay organized and keep track of your expenses. This can be very useful when it comes time to prepare your income taxes. When using automatic bill payment you won't have to worry about missed payments or paying late fees.
You will need to contact your service provider(s) to set up the service. Tell them that you would like to arrange to make a manual payment or to participate in their automatic bill payment program using your card. They will ask for some information to set up the service and provide you with instructions on how to begin making payments. Many provide payment service through their Web site or alternatively over the telephone. A great place to start is our Directory of Service Providers. We are adding service providers and their contact information to this list regularly. If your provider is not listed, look for their customer service number on your bill or visit their Web site.
For manual bill pay, generally, the merchant will need your account number from the front of your credit card and the expiration date. For automatic bill payment, they may also need the dollar amount they are authorized to automatically charge, and the specific date you wish to be charged each month. Note: Not every merchant will allow you to choose this date, but many will. Some service providers may require additional information, such as your signature.
Most service providers continue to mail a bill indicating the total amount they will charge to your credit card account. However, some providers may allow you to elect to receive an online bill — via the Internet — or no bill at all. At the time you initiate an automatic bill payment relationship, you should determine how the provider will bill you. Also, your monthly credit card statement will provide you with a convenient, thorough record of charges to your credit card account.
Your credit card account information may change due to a lost or stolen card, expiration date change, or an upgrade to a new product. When enrolled in automatic bill payment, to prevent an interruption in service, you must contact each service provider and give them your new credit card account information. We recommend that you keep a list of all providers that you pay automatically so you can efficiently update this information when necessary.
What to do if you Find a Mistake on Your Statement
If you think there is an error on your statement, write to us at Credit Card Services – Disputes, P.O. Box 7092, Bridgeport, CT 06601-3211.

In your letter, give us the following information:
- Account Information: Your name and account number.
- Dollar amount: The dollar amount of the suspected error.
- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
- Within 60 days after the error appeared on your statement.
- At least 3 business days before an automated payment is scheduled. If you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.

^† For additional information, please click the ^† symbols throughout this page to view our credit card disclosures.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Credit cards are issued by Citizens Bank, N.A.