Chattanooga Water Utility 2026: Bill Pay, Login & Phone

Which Water Utility Serves Your Chattanooga Address?

Before entering payment information, compare the provider name on your bill. Several water districts serve properties with Chattanooga mailing addresses, and their account numbers and payment websites are not interchangeable.

If you have moved into a home without a recent bill, ask your landlord, property manager or the utility provider to verify the service address before opening an account.

How to Pay a Tennessee American Water Bill Online

MyWater is American Water’s online customer account system. Registered customers can review the amount due, make payments, enroll in AutoPay and manage account information.

1. Open MyWater. Visit the official MyWater customer portal.
2. Sign in or register. Enter your existing account credentials, or choose the option to create an online account.
3. Locate your water account. Keep your bill nearby. Tennessee American Water uses a 16-digit customer account number for its payment system.
4. Check your balance. Confirm your account, service address, payment due date and outstanding charges.
5. Choose the payment method. Select an available bank-account or credit-card payment option.
6. Review payment fees. A one-time payment from a bank account through registered MyWater has no additional charge under the utility’s published payment policy. Card payments may involve a convenience fee.
7. Submit and save your receipt. Keep the confirmation number until the payment is reflected in your account.

Pay Without Creating a MyWater Account

American Water also supports guest payments. This can be useful when you need to pay once but do not want to create a permanent online login.

1. Open American Water Guest Bill Pay.
2. Choose the guest payment option.
3. Enter the requested account information from your bill.
4. Confirm the customer account and payment amount.
5. Choose an available payment method and review the convenience fee.
6. Complete the payment and save the transaction confirmation.

Unlike the free registered MyWater bank-payment option, the guest payment service may charge a transaction fee for its accepted payment methods.

MyWater Login, Registration and Password Help

MyWater can be used to check account balances, view water consumption, manage paperless billing, update contact information and request that service be started or stopped.

Sign In to Your Account

1. Go to mywater.amwater.com.
2. Enter the username or email associated with the account, as requested by the portal.
3. Enter your password and complete any required verification.
4. Open the appropriate billing, payment or account-management section.

First-Time MyWater Registration

Have your Tennessee American Water account number ready before starting registration.

1. Open MyWater and select the registration or account-creation option.
2. Enter the requested customer and contact information.
3. Provide the account details needed to link your water service.
4. Complete the security and verification steps displayed by the portal.
5. Sign in and check that the correct service address appears.

Forgot Your MyWater Password?

Use the password-recovery option on the sign-in screen. Follow the instructions sent to your registered contact information.

If the portal cannot verify your identity, call 1-866-736-6420. The utility can help with account access and registration problems.

Chattanooga Water Bill Payment Options and Fees

Tennessee American Water offers several ways to pay. The best choice depends on whether you need immediate payment, recurring withdrawals or an in-person cash option.

Pay Your Water Bill by Phone

Call 1-855-748-6066 for Tennessee American Water’s automated payment service.

1. Keep your 16-digit account number nearby.
2. Follow the automated payment instructions.
3. Choose an accepted bank-account or card payment option.
4. Confirm the amount and applicable convenience fee.
5. Save your payment confirmation.

Mailing Address for Tennessee American Water Payments

Tennessee American Water
P.O. Box 6029
Carol Stream, IL 60197-6029

Send a check or money order with the payment stub. Do not send cash, staples or paper clips.

Chattanooga correspondence address:
Tennessee American Water
109 Wiehl Street
Chattanooga, TN 37403

The Chattanooga address is for correspondence. Use the Carol Stream payment address for mailed bills.

Pay at an Authorized Retail Location

Tennessee American Water allows payments at participating retail locations using a payment barcode linked to the customer account.

Open the official Customer Service & Billing page and choose the in-person payment location finder. Confirm that your intended store participates before traveling.

How to Start, Transfer or Stop Chattanooga Water Service

Moving into Chattanooga? Start by confirming the water provider serving the full address. Tennessee American Water, Hixson Utility District and Eastside Utility District have separate applications and customer accounts.

Start Tennessee American Water Service

1. Visit the official Tennessee American Water New Customers page.
2. Choose the option to start residential service through MyWater.
3. Enter your new service address and requested activation information.
4. Provide the customer details required by the application.
5. Review any applicable fees, identification requirements or service conditions.
6. Submit the request and follow the provider’s scheduling instructions.

For an existing residential water connection, Tennessee American Water publishes a $25 service fee that is added to the first bill.

If you need an entirely new water service installation rather than activation of an existing connection, additional construction and installation requirements may apply. The company states that new service applications can take approximately 5–10 business days to process.

Call 1-866-736-6420 to confirm scheduling and costs for your specific property.

Move Between Addresses or Stop Service

Existing Tennessee American Water customers can request service changes through MyWater.

1. Sign in to MyWater.
2. Find the service management option.
3. Select the appropriate start, stop or move request.
4. Enter the service address and requested date.
5. Confirm the change and keep the request confirmation.

When moving out, provide any requested forwarding address so the final statement can reach you.

Chattanooga Sewer Bill: A Separate Payment System

The City of Chattanooga operates municipal wastewater services and has its own sewer billing portal. If your statement says City of Chattanooga Sewer, do not pay it through Tennessee American Water’s MyWater portal.

Official sewer payment page: Chattanooga Sewer Fees
Sewer billing customer service: 423-643-6311 or 311
Automated sewer payment: 844-898-3672

How to Pay the City Sewer Bill Online

1. Open the official City of Chattanooga Sewer Fees page.
2. Select the online payment link.
3. Choose the registered account login or guest payment option.
4. If registering for the first time, use the Billing ID Number printed on your sewer statement.
5. For guest payments, enter the account number requested by the portal.
6. Review the balance, accepted payment options and any fees.
7. Complete payment and save the confirmation.

Pay Chattanooga Sewer Fees by Mail

City of Chattanooga
P.O. Box 591
Chattanooga, TN 37401-0591

Make checks or money orders payable to the City of Chattanooga. Do not send cash.

In-Person Sewer Payment Office

Sewer Payment Center
Development Resource Center
1250 Market Street, Suite 1008
Chattanooga, TN 37402

Hours: Monday–Friday, 8 AM–4:30 PM.

When facing the Development Resource Center from Market Street, the sewer payment office is the first glass door on the left.

Hixson Utility District: Bill Payment and Login

If your water bill says Hixson Utility District, use its own InvoiceCloud payment system rather than Tennessee American Water’s MyWater portal.

Official payments: Hixson Utility District Payments
Phone: 423-877-3513
Office: 5201 Hixson Pike, Hixson, TN 37343
Office hours: Monday–Friday, 8 AM–4 PM

How to Pay Hixson Water Online

1. Visit the official Hixson Utility District payment page.
2. Choose its InvoiceCloud payment link.
3. Enter the requested account details from your Hixson water bill.
4. Select a one-time payment or another available account option.
5. Review the transaction fee and payment amount.
6. Submit payment and keep your confirmation.

Hixson’s published online payment page lists a $3.45 convenience fee for credit or debit cards and $2.95 for electronic bank-account payments.

Residential customers can also pay by credit card over the phone during business hours without the online processing fee. Hixson also offers a free automatic bank-draft service.

Mail payments to:
Hixson Utility District
P.O. Box 1598
Hixson, TN 37343

If you need an extension, call before 4 PM on the final due date. Hixson says payment arrangements are not made after that deadline.

Eastside Utility District: Water Bill and Customer Support

Eastside Utility District serves customers in parts of the eastern Chattanooga area and surrounding communities. Its online payment service uses a WaterSmart customer portal.

Official payment page: Eastside Utility District Bill Pay
Phone: 423-892-2890
Email: customerservice@eastsideutility.com
Office: 3018 Claude Ramsey Parkway, Chattanooga, TN 37421
Hours: Monday–Friday, 8 AM–5 PM

Pay an Eastside Water Bill Online

1. Open the official Eastside payment page.
2. Choose the WaterSmart portal sign-in or enrollment option.
3. Enter the required customer account information.
4. Review the outstanding water balance.
5. Select a payment option and check any applicable fee.
6. Complete the transaction and save the receipt.

Eastside also accepts payments in person, by mail, over the phone and through its office night drop. Customers can apply for ACH bank drafts through the utility.

Mailing address:
Eastside Utility District
P.O. Box 22037
Chattanooga, TN 37422

Chattanooga Water Rates and Why Your Bill May Differ

There is no single 2026 water rate that applies to every Chattanooga address. Tennessee American Water, Hixson Utility District and Eastside Utility District maintain different water tariffs and billing policies.

Monthly bills can include:

• Fixed service charge: A recurring amount that may depend on meter size or account classification.
• Water consumption: Charges based on the amount of water recorded by the meter.
• Sewer treatment or collection: A separate utility charge that may be billed independently.
• Taxes and other authorized charges: Additional items depending on the provider and service address.
• Previous balance: An unpaid amount from an earlier billing period.

For Tennessee American Water, check the current Customer Service & Billing resources and select Water & Wastewater Rates to view the applicable tariff.

For Chattanooga municipal sewer service, the city calculates wastewater charges using water consumption. Its official billing guidance explains that residential sewer billing generally limits chargeable consumption to 12,000 gallons per month, subject to applicable meter minimums and account rules.

Read the City of Chattanooga wastewater charges and customer service information for the latest published rate table and billing policies.

Water Bill Overdue? Payment Plans and Assistance

If you cannot pay your Tennessee American Water bill by the due date, the company recommends contacting customer service before the account becomes further delinquent.

Request a Payment Arrangement

1. Call 1-866-736-6420.
2. Have your account number and latest statement ready.
3. Explain the amount you can pay and when you expect to pay the remaining balance.
4. Ask whether you qualify for an installment arrangement.
5. Confirm the agreed payment dates and any conditions.
6. Keep the confirmation and follow the schedule.

Project Water Help in the Chattanooga Area

Tennessee American Water operates Project Water Help, an emergency assistance program for qualifying customers with temporary financial hardship.

United Way of Greater Chattanooga assists eligible Tennessee American Water customers in Hamilton, Sequatchie and Marion Counties, as well as some customers in northwest Georgia.

With a 423 area code: Dial 211
With an out-of-area phone number: 423-265-8000
For qualifying Georgia customers: 1-866-921-3035

American Water also offers Budget Billing to qualifying residential customers, which can help smooth seasonal changes in monthly payments.

See the official Tennessee American Water assistance programs for eligibility details.

Water Main Break, No Water or Low Pressure in Chattanooga

Report a drinking-water emergency to the company serving your address. The City of Chattanooga’s sewer department does not replace the water company’s emergency response system.

What to Check Before Reporting No Water

1. Check whether the problem affects one faucet or the entire property.
2. Check for a utility notification or interruption affecting the neighborhood.
3. Confirm whether a household shutoff valve has been closed, if safely accessible.
4. Ask a nearby neighbor whether they are experiencing the same issue, if practical.
5. Call the serving utility with your exact address and a description of the problem.

Tennessee American Water’s automated phone system recognizes phrases including No Water and Water Leak, allowing customers to reach the relevant reporting function.

Sewer Backup? Call Chattanooga 311 First

The City of Chattanooga advises residents with a sewer line problem to contact 311 before calling a plumber because the issue may involve the public sewer main.

If you are unsure whether a backup is in the private building sewer or public main, describe the location and symptoms to the city. Avoid contact with wastewater and do not use plumbing fixtures that are backing up.

How to Check Chattanooga Drinking Water Quality

Tennessee American Water publishes annual Consumer Confidence Reports showing water quality testing results, detected substances and information about the local drinking-water system.

For the Chattanooga water system, use the official Chattanooga Water Quality Information page.

Find Your Water Quality Report

1. Open the Tennessee American Water Chattanooga report page.
2. Select the latest annual water quality report.
3. Review the water source, detected substances and compliance information.
4. Check the report year so you know which testing period it covers.
5. For an active water advisory, use the company’s current emergency and alert information instead of relying only on the annual report.

If your water has unusual color, taste or odor, contact the serving water provider for guidance. An annual report does not replace current advice following a main break or pressure loss.

Chattanooga Water Utility Contact Information

Tennessee American Water

Customer service: 1-866-736-6420
Phone payments: 1-855-748-6066
Regular customer service: Monday–Friday, 7 AM–7 PM Eastern Time
Emergency reporting: Available 24/7

Correspondence address:
Tennessee American Water
109 Wiehl Street
Chattanooga, TN 37403

Bill payment mailing address:
P.O. Box 6029
Carol Stream, IL 60197-6029

Hixson Utility District

5201 Hixson Pike
Hixson, TN 37343
Phone: 423-877-3513
Office hours: Monday–Friday, 8 AM–4 PM

Eastside Utility District

3018 Claude Ramsey Parkway
Chattanooga, TN 37421
Phone: 423-892-2890
Office hours: Monday–Friday, 8 AM–5 PM

City of Chattanooga Sewer Payment Center

1250 Market Street, Suite 1008
Chattanooga, TN 37402
Billing phone: 423-643-6311
Office hours: Monday–Friday, 8 AM–4:30 PM

Frequently Asked Questions

Official Chattanooga Water and Sewer Resources

• Tennessee American Water — official local water utility information.
• American Water Billing and Payments — online, guest, telephone and retail payments.
• MyWater Login — bills, service changes, usage and AutoPay.
• Customer Assistance Programs — payment arrangements, Budget Billing and Project Water Help.
• New Water Service — residential activation and installation information.
• Chattanooga Water Quality Reports — official annual drinking-water data.
• Hixson Utility District Payments — InvoiceCloud, phone, bank drafts and office payments.
• Eastside Utility District Bill Pay — WaterSmart and alternative payment options.
• City of Chattanooga Sewer Fees — municipal sewer billing and payment methods.
• Chattanooga Wastewater Customer Service — sewer rates, problems and billing contacts.

Information reviewed: October 23, 2026. Official utility and city information was used. Payment fees, water rates, eligibility requirements and service schedules may change; verify the applicable details with your own provider.

Independent publication notice: WaterUtilities.org is not operated by or affiliated with Tennessee American Water, Hixson Utility District, Eastside Utility District or the City of Chattanooga. This guide provides public information and official service links. It does not accept payments, manage utility accounts or dispatch emergency services.