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Frequently Asked Questions

Co-op Faqs

The answers to your frequently asked questions.

How do I sign up for automatic bank draft?

Log on to SmartHub at http://mycentral.smarthub.coop. Once logged on, click the “financial info” link on the left hand side. On this link you can save payment information for future manual payments or save payment information to draft a checking or savings account or charge a credit/debit card. You may also contact a Member Service Rep by calling 800-375-2884 and request a form be mailed, e-mailed or faxed.

Can I change my billing address online?

Yes, you may log into SmartHub at http://mycentral.smarthub.coop. Once logged on click the “service my account” in the middle of the page. You will be able to update your contact information.

Which credit cards can I use to pay my bill?

Visa, Master Card and Discover can be used and can be a credit or a debit card.

Do you have electronic billing options?

Yes, you may log into SmartHub at http://mycentral.smarthub.coop. Once logged on click the “start stop bill print” on the left hand side. You will be able to check the box to stop getting a printed bill. If you would like an electronic copy and a paper copy, simply create an account through SmartHub. You will automatically receive e-mail notifications when your bill is processed.

Will my electricity be disconnected if I cannot pay my bill?

If you know you will not be able to pay a balance in full by the due date, we encourage you to call 1-800-372-2884 and maintain an open dialogue with us. Payment arrangements may made; a Member Service Rep can tell you if you qualify. The disconnect notice will give the date of disconnection. If payment is not made within the payment arrangement time frame service will be disconnected.
Requirements for reconnection are listed below and must all be paid prior to reconnecting service:
• Past due amount
• Payment of $150.00 in reconnection fees
• Deposit on the account of $500 or twice the highest bill
OR
• Convert to prepay which does not require a deposit or fees — ask a Member Service Rep how this could benefit you.

Where do I change my e-mail address?

You can change your e-mail address by loging into SmartHub at http://mycentral.smarthub.coop. Once logged on click “change e-mail” on the left hand side.

Can I mail one check for all the accounts listed on my invoice bill?

Yes, you can write one check for as many accounts as you would like. Central would ask that you please send the bill stubs with the payment to ensure all accounts are credited properly. If you have misplaced your stubs a list of accounts or writing the account numbers on the check will also be helpful.

How can I change the name on my account?

Central’s members are cooperative owners, and each account represents a membership with associated assets, such as a membership fee, patronage capital, and possibly a deposit. Because of such assets, paperwork, signatures and possible legal documents are required. Please contact a Member Service Rep at 800-375-2884 for the required paperwork.

Why do I sometimes have two payments due in a month, and no payments due in other months?

Due to cycle billing this will occur periodically for cycle 2 members. There are months that you will have 2 bills due in one month and none due the next. Cycle 2 is billed the second Wednesday of the month and due 21 days later, also on a Wednesday. Depending on how many days are in a month and where the Wednesday falls this may cause two bills to be due in one month.

Can I change my billing due dates?

Electric bills are processed through four cycles. Each cycle is billed on a Wednesday and due on a Wednesday. Your cycle can be changed to one that is more suitable to your pay schedule. Contact a Member Service Rep at 800-375-2884 to discuss what cycle best suits you.

Does Central offer an average monthly payment plan or a budget plan?

Central offers residential members an average monthly payment plan (AMP) or budget billing. With AMP, you make an average payment each month rather than the actual billing consumption. This is an optional payment plan provided free to all eligible Central members. Members must agree to pay the average payment on time and in full every month. Members must agree to pay the account in full when they or Central request that participation in the plan terminate. To be eligible you must:
• Have one-year billing history on the account
• Have a zero balance
• Have made no more than two late payments in the last twelve months.
Contact a Member Service Rep at 800-375-2884 to sign up for AMP.

What is the service availability fee on my bill?

The service availability fee pays for a small portion of Central’s fixed costs. An example of Central’s fixed costs include operations and maintenance, administration, member communications and support, depreciation and costs for billing. In order for Central members to be charged an equitable rate no matter what rate class they belong to, such as residential, commercial or industrial, the cooperative must recover a portion of its fixed costs through the service availability fee. The fee is designed to more fairly have all members pay a nominal baseline amount for providing electric services.

How does AMP work?

An average payment is calculated by adding the current month’s kilowatt-hour usage to the previous 11-months’ usage. The 12-month total will be divided by 12 to determine the average bill amount. Although AMP will level out the highs and lows of your seasonal usage, it is important to remember that your bill will not be the same each month. Because your bill is averaged each month, significant changes in your usage will affect the average.

How do I report a power interruption?

Call Central at 1-800-375-2884 or 405-372-2884, or use report an outage using SmartHub at http://mycentral.smarthub.coop.

Where can I find my account number?

You can find your account number on your bill in two places. The billing stub has the account number and the portion of the bill you keep has it as well. Your bill has a large box made up of smaller boxes. The account number is in the very top left hand corner of that box. It is near the top crease where the bill folds.

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About

Central Rural Electric Cooperative is an electric distribution cooperative that serves more than 20,000 meters in seven central Oklahoma counties.

  • Central Careers
  • Central Newsroom

This institution is an equal opportunity provider and employer. This employer participates in E-Verify

 

Resources

Our governing documents direct our business, legal and day-to-day operations.

  • Central Bylaws
  • Central Rates
  • Central Terms and Conditions
  • Central Annual Report
  • Resources

 

Contact

Call or e-mail us.

local: 405-372-2884 toll-free: 800-375-2884

member accounts email

physical: 3305 S. Boomer Rd., Stillwater, OK 74074

mailing: P.O. Box 1809, Stillwater, OK 74076

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©2025 Central Rural Electric Cooperative. Empowering Our Members and Communities

  • Your Service
    • Sign Up for Service
    • Payment Options
    • SmartHub
    • Understanding Your Bill
    • Frequently Asked Questions
  • Energy Solutions
    • Backup Generators
    • Residential Energy Audit
    • Electric Vehicles
    • Solar
    • Rebates
  • Outage Center
    • Report an Outage
    • Outage Map
    • How Central Restores Power
    • Preparing for an Outage
    • Using a Backup Generator
  • Community
    • Co-op Connections
    • Operation Round Up
    • Co-op Kids
    • Youth Programs
    • Safety First
  • Cooperative
    • Our Mission, Vision and Values
    • Management Team
    • Board of Trustees
      • Board District Map
      • Board Governance
      • District 1
      • District 2
      • District 3
      • District 4
      • District 5
      • District 6
      • District 7
    • History of Central
  • Resources
    • Membership Forms
    • Annual Report
    • Bylaws
    • Terms and Conditions
    • Rates
    • Vegetation Management
    • Working crew location map
    • Construction Timelines
    • Empowered Newsletter
    • Used Poles
    • Oversize Load Assistance
  • Careers