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Billing & Payment Information

At Missouri American Water, providing you with the best customer service possible is our priority. We offer the following payment methods:

Pay by Mail
Use the convenient return envelope provided to you with your bill. Detach and enclose the bill stub with your check or money order. Do not send cash. Or, you can mail your payment to:
Missouri American Water, PO Box 790247, St. Louis, MO 63179-0247

Automatic Payment
Sign up for Auto Pay, and your bill will be paid on time, every time, directly from your checking or savings account on the date it is due.
Download the Automatic Payment Form for complete instructions.

Online Self-Service, Bill Pay
With our new self-service website, My H2O Online, residential customers can pay bills online, when it is convenient. You can also manage your account and keep track of water use and account activity for up to two years. Commercial customers and any others who are unable to register on the site can pay online by visiting

Steps for Customers Who Have Received a Disconnection Notice

  1. Locate your account number on your billing statement or notice.
  2. Locate the scheduled disconnection date on the notice.
  3. Submit your online payment using our new My H2O Online self service site.
  4. Record your payment confirmation number.
  5. If payment is submitted online within five business days of the scheduled disconnection, immediately call our customer service center at 1.866.430.0820.
  6. When you speak to a customer service representative, please tell them your account number, online payment date and payment confirmation number.

Pay by Phone
If you do not have questions about your bill, you can pay-by-phone using your Visa or MasterCard by calling 1.855.748.6066. There is a small fee for this service. Be sure to have your 10-digit account number handy. This is located on the upper right corner of your current bill.

Pay at local payment location
Convenient, authorized locations across the state will accept your payment. Please note these locations DO NOT accept payments by mail.

Payment Locations

Missouri American Water customers can now make their bill payments - including late payments - at Schnucks grocery stores.  If you want to make your payment in person - your local Schnucks stores (except those in Columbia and Cape Girardeau) will accept your payment.


H20 Help to Others Program
H2O Help to Others is an emergency assistance program created by Missouri American Water and Missouri's Community Action Agencies. The program helps provide supplemental funding to Missouri American Water customers who would otherwise have trouble paying their bills. H2O Help to Others is supported by customers' voluntary donations and contributions from Missouri American Water. The Community Action Agencies' trained caseworkers determine the needs of families and individuals, who must be Missouri American Water customers.

Who qualifies for H2O Help to Others Program assistance?
Any individual or family whose water service is being provided by Missouri American Water and who is in danger of losing their primary source of water and meets the "basic needs" criteria as set by Community Action Agency caseworkers.

How do I apply for H2O Help to Others Program assistance?
Call the Missouri American Water Customer Service Center toll-free at 1.866.430.0820. Or, you may contact the Community Action Agency in your area:

Central Missouri Community Action
Audrain County - 573.582.7864
Cole County - 573.635.4480
Community Action Agency of St. Louis County

Community Action Partnership of St. Joseph
Buchanan County - 816.233.8281
Economic Security Corporation of the Southwest Area
Jasper and Newton counties - 417.781.0352
Jefferson-Franklin County Action Corporation

Missouri Valley Community Action
Chariton County - 660.548.3155
Johnson County - 660.747.2245
Northeast Community Action Corporation
St. Charles County - 636.272.3477
Warren County - 636.456.8191
United Services Community Action Agency
Platte County - 816.858.5153