Payment Assistance Options

Sometimes customers face circumstances that stretch their financial resources. Missouri American Water is here to help. Please see below for our payment assistance options.

Installment Plan

To help residential customers who are experiencing financial hardships, Missouri American Water offers an installment plan.

If you have a past-due balance, please log in to your account online through MyWater to set up an installment plan to pay the balance over time. (If you haven’t signed up in MyWater yet, it’s fast and easy!)

It is important to contact us BEFORE your water is shut off to maintain eligibility for the installment plan program. Only residential customers are eligible. Both residential and non-residential customers may set up a payment plan for past-due balances.

The payment arrangement will require you to:

  • Pay 25% of your balance up-front.
  • Pay the rest of the bill according to an agreed upon schedule of up to 6 months
  • Pay all future bills as they become due

Budget Billing

Budget Billing provides a fixed monthly payment over a period of 12 months based on the residential customer’s anticipated annual billing.

MyWater Budget Billing

If you have trouble signing up through MyWater, you may contact our customer service representatives at 1-866-430-0820 Monday through Friday from 7:00 a.m. to 7:00 p.m.

H2O 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 contributions from Missouri American Water and voluntary contributions from customers.

The Community Action Agencies' trained caseworkers determine the needs of families and individuals, who must be Missouri American Water customers.

Another benefit of H2O Help to Others Program is that it often connects customers with other sources of aid in their communities, including other assistance programs for which they might qualify. Some of the Community Action Agencies also provide educational programs on managing utility usage and bills. Typically, those who qualify for the program are able to begin paying their water and other utility bills in a timely manner and work toward greater self-sufficiency.

For more information contact the Customer Service Center at 866-430-0820.

To make a contribution to the H2O Help to Others Program in Missouri, simply check the box on the back of your water bill and your voluntary contribution will be deducted from your bill.

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?

Contact the Community Action Agency in your area to apply (see list of agencies by county below). If you are having difficulty locating the agency serving you, please contact the Missouri American Water Customer Service Center toll-free at 1-866-430-0820.

Audrain County
1-573-582-7864 (Central Missouri Community Action) – The program is managed by the Community Action Agency of St. Louis County with support from the CMCA.

1-314-863-0015, ext. 654 (Community Action Agency of St. Louis County)

Buchanan County
1-816-233-8281 (Community Action Partnership of St. Joseph)

Cedar Hill
1-636-789-2686, ext. 117 (Jefferson-Franklin Community Action Corporation)

Chariton County
1-660-548-3155 (Missouri Valley Community Action)

Cole County
1-573-635-4480 (Central Missouri Community Action) – The program is managed by the Community Action Agency of St. Louis County with support from the CMCA.

1-341-863-0015, ext. 654 (Community Action Agency of St. Louis County)

Jasper County
1-314-863-0015, ext. 654 (Community Action Agency of St. Louis County)

1-314-863-0015 (Economic Security Corporation of the Southwest Area) – The program is managed by the Community Action Agency of St. Louis County with support from the ESC.

Jefferson County
1-636-789-2686, ext. 117 (Jefferson-Franklin Community Action Corporation)

Johnson County
1-660-747-2245 (Missouri Valley Community Action)

Newton County
1-314-863-0015 (Economic Security Corporation of the Southwest Area) - The program is managed by the Community Action Agency of St. Louis County with support from the ESC.

1-314-863-0015, ext. 654 (Community Action Agency of St. Louis County)

Platte County
1-816-858-5153 (Community Action Agency of Greater Kansas City)

St. Charles County
1-636-272-3477 (Northeast Community Action Corporation)

St. Louis County
1-314-863-0015 / info@caastlc.org (St. Louis County Community Action Agency)

Warren County
1-636-456-8191 (Northeast Community Action Corporation)