Your Utility Bill

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About Your Bill

Your bill will show the current amount due and any balance brought forward from last month if you were late. You must pay the current amount due by the due date or the larger amount shown, if paid after the due date. To keep your account in good standing and maintain a good credit history with us, you cannot pay late more than twice in any 24 month billing period. If you pay after the due date, the late payment penalty is the difference between the "amount due" and the "if paid after..." amounts shown on your bill. Each monthly bill includes the current service period, meter readings, usage since the last billing period, and the amount due for each service.

Each service will be clearly identified. If your usage is estimated, that fact will also be clearly shown.

  • If you have electric service only, the bill will show your KWH (kilowatt hours) used.
  • If you have water and/or wastewater services, your bill will also show the CF (cubic feet) of water used. One CF equals 7.48 gallons.
  • The water charge is based upon your water meter size (also shown on the bill) and your usage since the last billing period.
  • Wastewater flows are not metered; charges are based on your water usage. Note that Wastewater rates have special billing rules for summer.



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Billing Dates

You will receive your MU bill monthly and have at least 10 days to review it before payment is due. The due date shown on the top portion of your bill will be the date your payment will be due every month. Due dates are distributed according to the area of the property being billed. Our Billing Cycle map shows exactly how these areas are broken down.


Miscellaneous Fees & Charges

Our one-time turn-on charges are $20 for electric and $20 for water services. These non-refundable charges are for reading your meter and setting up your new account in our computer system. These charges are separate from any deposit requirements and will appear on your first bill.

  • Fire Protection Fee

Each water customer is charged a monthly fire protection fee, assessed by law to help pay for and maintain the fire hydrants attached to our city's water system. The amount of this fee is determined by the size of your water meter.

  • Sewer Insurance

The $2.20 monthly Sewer Insurance fee appears as a surcharge for all single-family residential Wastewater customers within the corporate limits of the City of Mishawaka.


Payment Options

Mishawaka Utilities provides several payment options for the convenience of our customers:

  • Pay at our office (cash, check, or money order)
  • Send payment by mail (check or money order)
  • Automatic payments from your bank account (EZ Pay)
  • Online payments via InvoiceCloud - e-check, Visa, Mastercard, or Discover accepted. Service fee - $3.75.
  • Online bill pay through your bank (usually a free service)
  • Call our toll-free number (866) 288-0515 - e-check, Visa, Mastercard, or Discover accepted. Service fee - $3.75.
    • NOTE: The use of the Interactive Voice Response System (IVR) toll free number also incurs a separate Service Fee of $5.70 charged by the IVR system.

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Customer Service

Mishawaka City Seal



100 Lincolnway West

P.O. Box 363

Mishawaka, IN  46544

Phone (574) 258-1630

Fax (574) 258-1710