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

• With Bank Draft you’ll continue to receive an electric bill each month. On your bill’s due date, we'll 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 Electric 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 Form. Then just mail the completed form and a voided check from your financial institution to Gibson EMC, 1207 S. College St., Trenton, TN 38382 or deliver both to your nearest Gibson Electric 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 Electric bill marked “TO BE PAID BY DRAFT.”

You can also sign up for Automatic Bank draft on our portal.

• On our Home Page, click “PAY MY BILL” at the top of the screen. Then click on "PAY MY ELECTRIC BILL." This will take you to our Member Services Portal.
• Select "BILLING AND PAYMENTS." You will then be asked to sign in. If you have not created a user account, you can do so on this screen.

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

Paying your bill online is easy and convenient.

1. On our Home Page, click “PAY MY BILL” at the top of the screen. Then click on "PAY MY ELECTRIC BILL." This will take you to our Member Services Portal.
2. You can then either sign into your account at the top right-hand corner or use our convenient Quick Pay option in the middle of the page. If you prefer, there is also an icon on the home page that you can use to "PAY NOW."

Paying By Phone is easy…

1. You can call one of our member service centers and use our automated phone system to make an electronic check payment or a credit/debit card payment.
2. If you would prefer, a member service representative will be glad to help you process your payment. The member service representative will also be able to create a payment profile for the ease of making future payments.

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 Electric members who have a VISA, MasterCard, American Express or Discover account through a financial entity that is a member of the Automated Clearinghouse Association.
• 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 Electric bill marked “TO BE PAID BY DRAFT.”

You can also sign up for auto credit/debit card by going to our home page and clicking “PAY MY BILL” at the top of the screen. Then click on "PAY MY ELECTRIC BILL." This will take you to our Member Services Portal and you can select Billing and Payments and then Draft Payments.

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 Electric member service center anytime, day or night. Have your Gibson Electric 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. On our Home Page, click “PAY MY BILL” at the top of the screen.  Then click on "PAY MY ELECTRIC BILL." This will take you to our Member Services Portal. Select "BILLING AND PAYMENTS." You will then be asked to Sign In. If you have not created a user account, you can do so on this screen.
• Payments via the app— you can conveniently make payments on our app.
• Payments from walk-in or drive-up members— Stop by any Gibson Electric member service center and present your statement and your VISA, MasterCard, American Express or Discover credit or debit card. We’ll handle the rest.

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, click “PAY MY BILL” at the top of the screen. Then click on "PAY MY ELECTRIC BILL." This will take you to our Member Services Portal.
2. Under the “Billing and Payments” select “Bill Notification” and then under “Bill Method” select if you would like a Standard (mailed) or an E-Bill or both.
3. Log in to your account with your account number and password.
   1. Your account number is found in the top left corner of your electric bill. A Gibson Electric 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 Electric bill, call your local member service center and they will assist you.)
4. To enroll the selected account in E-Bill, change the Billing Method to "E-Bill."
5. Provide an e-mail address to which we can send your electronic bill and click “Submit.”

Gibson Electric 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 Electric'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 Electric 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

Little General
111 W. Armory St.
Trenton, TN 38382
Store Hours:
5:00 a.m. - 11:00 p.m. Monday-Thursday
5:00 a.m. - 12:00 a.m. Friday and Saturday
6:00 a.m. - 9:00 p.m. Sunday

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

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.

Click here for a traditional form or contact your local Gibson Electric member Service center for a form.  After completing and signing the form, either mail or deliver it to your local member service center for processing.

Please note: A member cannot have an outstanding balance at the time of enrollment and Prepaid Billing 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.

Gibson Electric'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 Electric.

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 Electric. If your bill is unpaid after the due date, a late charge of 5% is added. 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.

Looking for just the right gift or for a way to extend a helping hand? Give a Gibson Electric 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 Electric 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 Electric member service center. Gift certificates may be used to pay for energy usage and other Gibson Electric services such as outdoor lighting, heat pump loan, water heater loan, and Surge Alert lease, but they are not negotiable for cash.