Paying your bill using our automated telephone system is easy and convenient, but before you can take advantage of our phone payment or online payment options, you must set up your online account profile.

Enrolling is easy…

1. On our Home Page, click “Pay Bill Online” in the top right corner of the screen or click on the “My Account” icon. This will take you to our “Member Services Portal.”
2. Under the “Payments” tab, Go to “Payment Profile,” and click on either “Credit Card Profile” or “E-Check Profile.” Complete and submit the profile for the payment method you prefer. Under this same “Payments” tab, you also can set up your account to be paid by “Bank Draft” or by “Credit Card Draft.” Please note: PAY-Go accounts are not eligible for Draft payments.

Once your account profile has been set up, just call your local Gibson EMC member service center to pay by phone. The numbers are listed below:

Alamo - 731-696-5961

Medina and Trenton - 731-855-4660

Tiptonville - 731-253-7181

Troy - 731-536-5920

Hickman - 270-236-2521

The Automated Member Service System also allows you to check your account information and update your telephone number. (Having your current phone number enables us to restore service more quickly during an outage.)

Paying your bill online is easy and convenient, but before you can take advantage of our phone payment or online payment options, you must set up your online account profile.

Setting up your profile is easy…

1. On our Home Page, click “Pay Bill Online” in the top right corner of the screen or click on the “My Account” icon. This will take you to our “Member Services Portal.”
2. Under the “Payments” tab, Go to “Payment Profile,” and click on either “Credit Card Profile” or “E-Check Profile.” Complete and submit the profile for the payment method you prefer. Under this same “Payments” tab, you also can set up your account to be paid by “Bank Draft” or by “Credit Card Draft.” Please note: PAY-Go accounts are not eligible for Draft payments.

Now, you can make payment...

1. Within the portal and under the "Payment" tab, you can click on "Make Payment," or you can set up your account to be paid by "Bank Draft" or Credit Card Draft."
2. You will be prompted to log in. To log-in you will need your account number and your password. Your account number is found in the top left corner of your electric bill. A Gibson EMC assigned password is found near the middle of your bill until you set your own password. Then it no longer appears on your bill. (If you don’t have a Gibson EMC bill, call your local member service center and they will assist you.)

Bank Draft allows you to make automatic monthly electric bill payments by electronically transferring funds from your bank to your account at Gibson EMC. 

• With Bank Draft you’ll continue to receive an electric bill each month. On your bill’s due date, we send a draft to your bank in the amount of your bill. All you have to do is adjust your checkbook.

• Bank Draft is offered to all Gibson EMC members who have a checking or savings account with a financial entity that is a member of the Automated Clearinghouse Association.

• Complete the Bank Draft Authorization.pdf form. Then just mail the completed form and a voided check from your financial institution to Gibson EMC, P.O. Box 47, Trenton, TN 38382 or deliver both to your nearest Gibson EMC member service center.   

• After submitting your application, please allow time for processing. You’ll need to continue payment of your electric bill by check, cash or credit or debit card until you receive a Gibson EMC bill marked “TO BE PAID BY DRAFT.”

Please note: PAY-Go accounts are not eligible for Bank Draft payments. And as always, if you have a question, just call your local Gibson EMC member service center.

Credit/Debit Card Draft is a great way to save time, energy and postage, and avoid late charges. Your electric bill is paid automatically with the monthly electronic transfer of funds from your VISA, MasterCard, American Express or Discover account…

• With Credit/Debit Card Draft you will continue to receive an electric bill each month. On your bill’s due date, we will draft your VISA, MasterCard, American Express or Discover account in the amount of your bill. 

• Credit/Debit Card Draft is offered to all Gibson EMC members who have a VISA, MasterCard, American Express or Discover account through a financial entity that is a member of the Automated Clearinghouse Association.

• You may complete the Credit/Debit Card Draft Authorization form.

• After submitting your Credit/Debit Card Draft Authorization, please allow time for processing.  You will need to continue payment of your electric bill by check, cash or credit or debit card until you receive a Gibson EMC bill marked “TO BE PAID BY DRAFT.”

As always, just call your local member service center if you have a question.

Credit Card Payments enable you to make electric bill payment transactions by phone, online, or in person…

• Payments by phone — Just call your local Gibson EMC member service center anytime, day or night. Have your Gibson EMC statement and your VISA, MasterCard, American Express or Discover credit or debit card handy. Bill payment is as easy as that. 

• Payments via the Internet — Whether you’re at home, at work, or away on vacation, you can view your electric bill online and make VISA, MasterCard, American Express or Discover credit or debit card payments. Click on "Payments, then "Make Payment." Next enter your Member Login, Gibson EMC account number and password. Your assigned password is printed near the middle of your bill, until you set your own password.

• Payments from walk-in members— Stop by any Gibson EMC member service center and present your statement and your VISA, MasterCard, American Express or Discover credit or debit card. We’ll handle the rest.

Pay-Go is a pay before consumption program and an alternative to Traditional Billing. Members say they like Pay-Go because they don't have to pay the deposit they'd have to pay with Traditional Billing, and they receive much more information about their energy usage. This information, they say, helps them to use energy to more efficiently.

New or existing residential or GSA1 members may choose to participate. Of course, applicable fees must be paid prior to the commencement of service. Existing members with account balances may pay either the account balance or utilize a debt recovery mechanism. (Call for details regarding the debt recovery mechanism.) Members with a Gibson EMC heat pump loan and/or water heater loan are not eligible for Pay-Go. 

With Pay-Go you pay for electricity in advance; and as you use electricity, your account balance decreases. A minimum payment of $40 is required for representative assisted payments, but participants may pay any amount or any time of the day or night using the free Gibson EMC app, Gibson EMC's automated phone system or through this site. Payments may be made by phone or online using Check-by-Phone, or debit or credit VISA, MasterCard, American Express or Discover.

Should your Pay-Go account reach a debit or negative balance, your electricity will be automatically disconnected. Therefore, it is important for you to closely monitor your account balance. We make this easy. You can check your account balance online, opt to receive a low balance e-mail, text or automated phone message alert. Monthly statements are not sent to Pay-Go participants.

Members who choose Pay-Go pay the same electric rate, the same $5 membership fee, and the same connection fees as those who choose Traditional Billing. Energy usage plus pro-rate monthly fees apply. Members waive prior written notification for disconnection.

Gibson Electric Membership Corporation members may now pay their bills when and where it is convenient with the introduction of the PaySite^® bill payment kiosk. The kiosks are conveniently located near the homes and workplaces of many members throughout the Gibson EMC's service area. This new service is easy to use and provides immediate payment posting for Gibson EMC members paying at the kiosk. 

The payment process is simple:

Step 1) Touch the screen to start and select Gibson EMC

Step 2) Enter your account number and information (or scan the barcode on your bill)

Step 3) Define the amount you would like to pay and insert payment (cash/check/card)

Step 4) Leave with a receipt

     Paying at the kiosk provides fast posting to members’ accounts and the machine does not store personal information on the kiosk, making the terminal a safe and secure payment method. 

     Gibson EMC payments may be made at the kiosks with cash, check, and credit/debit card. Members that use the kiosk find that the payment process is fast, easy, convenient, and secure. For credit/debit card transactions, there is a 2.45% convenient fee. For cash or check transactions, there is a $1.50 Pay/Site Processing Fee.  

Little General
2129 E. Reelfoot Ave.
Union City, TN  38261
Store hours:
5:00 a.m.-12:00 a.m.

Little General
115 S. 5th St.
Union City, TN  38261
Store Hours:
5:30 a.m. - 11:00 p.m. Monday-Saturday;
6:00 a.m. - 10:00 p.m. Sunday

Little General
760 Hwy 45 E.
Medina, TN  38355
Store Hours:
5:30 a.m. - 11:00 p.m. Monday-Saturday;
6:00 a.m. - 10:00 p.m. Sunday

Little General
301 Trenton St.
Rutherford, TN  38369
Store Hours:
5:30 a.m. - 11:00 p.m. Monday-Saturday;
6:00 a.m. - 10:00 p.m. Sunday

Little General
100 Hwy 78 S.
Tiptonville, TN 38079
Store Hours:
5:00 a.m. - 11:00 p.m. Monday-Saturday;
5:00 a.m. - 10:00 p.m. Sunday

Flash Market
4101 US-412
Bells, TN  38006
Open 24 Hours

Maverick
101 Crockett Manor Drive
Trenton, TN 38382
Store Hours:
5:30 a.m. - 10:00 p.m. Monday-Thursday;
5:30 a.m. - 11:00 p.m. Friday and Saturday
7:00 a.m. - 9:00 p.m. Sunday

Looking for just the right gift or for a way to extend a helping hand? Give a Gibson Electric Membership Corporation gift certificate!

• For the person who has it all, it's always a perfect fit.

• For the person who needs a little assistance — Whether you’re a concerned friend, a caring neighbor, or a member of a church or civic group, send a Gibson EMC gift certificate to show you care. We can even mail the gift certificate for you, if you’d like to send it anonymously. 

Gift certificates are...

• Available year ‘round — We have two versions: one for Christmas gifting and one suitable for any occasion.

• Available in any denomination — Just let us know how much you’d like to spend; we’ll customize the gift certificate to meet your needs. 

• Simple to redeem — The recipient uses the gift certificate, just like cash, to make payment by mail or in person at any Gibson EMC member service center. Gift certificates may be used to pay for energy usage and other Gibson EMC services such as outdoor lighting, heat pump loan, water heater loan, and Surge Alert lease, but they are not negotiable for cash.

Gibson EMC's Delayed Payment Plan offers electric bill due date modification to more closely coincide with receipt of Social Security and Disability checks. Members are eligible to participate if they meet the following:

• You are 62 years of age or older and a recipient of Social Security or Disability benefits or you are permanently disabled and a recipient of Disability benefits.

• Electric service is in your name.

• Your electric bill is paid in full when you apply, and the completed Delayed Payment Plan application is approved by Gibson EMC.

With the Delayed Payment Plan, your meter reading date doesn’t change, but your billing and due dates do change. Bills should be paid in full by the due date; partial payments must have prior approval of Gibson EMC. If your bill is unpaid after the due date, a late charge of 5% is added. Service may be terminated if your bill is unpaid three days after the due date. If service is terminated twice during a 12-month period, you will be removed from the Delayed Payment Plan. Once removed from the plan, you may be reinstated after one year, if approved. You may discontinue your Delayed Payment Plan at any time. 

Levelized Billing is a program that helps members to equalize or level out monthly bill payments and lessen the impact of seasonal fluctuations.  With Levelized Billing, Gibson EMC averages your current month’s electricity usage with your previous 11 month’s’ usage to arrive at approximately equal bills. With each new month, you may see slight fluctuations in your billed amount, but there is usually not more than a $20 variance. 

Enrolling is easy:

1. On our Home Page, click on “Pay Bill Online” in the top right corner of the screen. This will take you to our “Member Services Portal.”
2. Go to the “Services” tab and click on “Levelized Billing.”
3. Log in to your account with your account number and password. Your account number is found in the top left corner of your electric bill. A Gibson EMC assigned password is found near the middle of your bill until you set your own password, then it no longer appears on your bill. (If you don’t have a Gibson EMC bill, call your local member service center and they assist you.)
4. Follow portal instructions.

If you do not have access to the online portal, click here for a traditional form. Please complete and sign the form then mail or deliver it to your local Gibson EMC Member Service Center for processing. 

Please note: A member cannot have an outstanding balance at the time of enrollment and PAY-Go participants are not eligible for Levelized Billing. If you have questions about Levelized Billing or any other program, just call or come by your local member service center. 

We encourage you to use electronic (paperless) billing.  It offers several benefits - e-mail reminders when your bill is ready to view; secure online access to your statements; it helps us hold billing costs down, and it's good for our environment.

Enroll today; it's easy… 

1. On our Home Page, click “Pay Bill Online” in the top right corner of the screen or click on the “My Account” icon. This will take you to our “Member Services Portal.”
2. Under the “My Account” tab, select “E-Notifications” and “E-Bill.”
3. Log in to your account with your account number and password. Your account number is found in the top left corner of your electric bill. A Gibson EMC assigned password is found near the middle of your bill until you set your own password, then it no longer appears on your bill. (If you don’t have a Gibson EMC bill, call your local member service center and they assist you.)
4. To enroll the selected account in E-Bill, change the Billing Method to "E-Bill."
5. In the “Bill Method” drop down menu, just select “E-Bill.”
6. Provide an e-mail address to which we can send your electronic bill and click “Submit.”