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Billing Practices

A. Rate Application

  1. Selection of Rates - Rate availability is listed in each rate schedule. The Cooperative will determine which rate schedule is appropriate. Load changes may dictate a change in rate schedules.

B. Billing Frequency

  1. The Cooperative endeavors to read the meter on or about the 1st of each month, and render a bill on or about the 5th of each month to every member in accordance with approved rate schedules.
  2. Payment is due on the 20th of the month or the first working day thereafter if the 20th falls on a holiday or weekend.
  3. Final bills will be rendered upon disconnect and if not paid within ninety (90) days from the mailing, the final bill will be turned over to the collection agency.

C. Billing Information

  1. Every bill rendered by the Cooperative for electrical service shall state clearly:
    1. The beginning and ending meter readings of the billing period of the dates thereof.
    2. The due date.
    3. Any previous balance.
    4. The amount due for energy usage.
    5. The amount due for other authorized charges.
    6. The total amount due.
    7. The address and telephone number of the Cooperative designating where the member may initiate an inquiry or complaint regarding the bill as rendered or the service provided by the Cooperative.

D. Payment Options

  1. Pay By Bank:
    1. Members are offered a Pay By Bank option. With the authorization of the member, an automatic bank transfer would be made from their account to pay the bill, on or about the 15th day of the month.
    2. If a member's account contains insufficient funds and a service fee is assessed to Mor-Gran-Sou Electric, the fee as well as any other applicable fees will be added to the member's account.
    3. If a member's account contains insufficient funds twice during a 12-month period, the member will be ineligible to participate in this payment program.
  2. VISA, MasterCard, or Discover Credit and Debit Cards:
    1. Residential members may pay their electric bill by the use of VISA, MasterCard, or Discover credit or debit cards.
    2. Payment can be handled either as a reoccurring or one-time payment option.
      1. Reoccurring Credit Card Payment - One time only, residential members must call the office to provide their credit card information. The Cooperative will code that individual account to reflect the request. After such request, members can expect that on the 15th of each month, their credit card will be charged that month's electric bill.
      2. One-Time Credit Card Payment - If residential members wish to use their credit card occasionally, a phone call with the credit card information must be made to the office each time the member wishes to pay their electric bill by credit card.
  3. Budget Billing:
    1. Budget billing is available to residential members upon request.
      1. Levelized Budget Billing - The budget bill amount is recalculated every month based on the past 12-months' bills. When the account has not been in service for 12 months, the number of months it has been in service will be used.

E. Estimated Billing

  1. When it is necessary to estimate a member’s usage for billing purposes in lieu of using an actual meter reading, the estimate will be based on the actual usage for the previous three (3) months and their account will be assessed a fee.

F. Loans & Other Services

  1. The Cooperative may include charges for other services together with charges for electric service on the same monthly bill if the charges for special services are designated clearly and separately from the service account.
  2. All payments, including partial payments shall first be credited to any loans or other services outstanding balances before being applied to the electrical billing.

G. Delinquent, Collection, Disconnection

  1. Members are billed on or about the 5th of each month. Payment is due by the 20th of the month. If payment is not made by the time the next bill is processed which is around the 4th, a late payment fee will be charged to the unpaid balance. When the bill is sent on the 5th, there is a predetermined date after which the service will be disconnected for non-payment. Payment of the total bill plus assessed fees must be made to avoid disconnect. To avoid the disconnect procedures, the payment must be in one of the Cooperative offices by the due date on the statement.
  2. The Cooperative will work with members who are willing and able to make arrangements agreeable to the Cooperative to schedule payments for past due amounts.
    1. Agreements must be made with the Cooperative's Billing Department prior to due date.
    2. Agreements are not to exceed three months. Management must approve any agreement term in excess of three months.
    3. The Cooperative may disconnect any service without prior notice when agreements made to avoid disconnect are not met by the member.
  3. Cooperative field personnel are not responsible to meet with the member to attempt collecting past due amounts prior to disconnecting service.
  4. When a member has a D-credit rating, at the Cooperative's discretion, a remote disconnect collar may be installed on the meter.  Any associated disconnecting fees will apply.
  5. Whenever electric service has been disconnected for non-payment of a bill, the service will be reconnected only after the member has taken necessary corrective actions and made payment of all fees and charges, including any applicable reconnect fees and deposits to guarantee payment of service.
  6. When a non-sufficient fund (NSF) check is received to avoid disconnect, the service may be disconnected without further notice. Cash payment may be required based on past history of NSF checks.
  7. In the event the member disputes the amount of a bill, the member may, to prevent disconnection for non-payment, pay the disputed bill under protest to the Cooperative. The Cooperative shall refund to the member any part of such payment made under protest found by the Cooperative to be incorrect or by a court to be excessive.
  8. The Cooperative will not disconnect service to a member for failure of the member to pay for service rendered to a previous occupant of the premises.
  9. The Cooperative may disconnect service to a member who takes over responsibility for paying the bill of an existing service after a previous member was disconnected for non-payment and amounts are still owed. When a member has a delinquent bill on an inactive account, that amount may be transferred to his active account (or) any payments received will be applied to the inactive account first.
  10. In the event the member is disconnected for non-payment, and the account is not reconnected within three (3) months, the account will be considered an idle service. After an additional three (3) months have passed, the Idle Service and Line Retirement procedure will be initiated.

H. NSF Checks

  1. Insufficient or Non-Sufficient Funds (NSF) checks are defined as legally recognized banking instruments, such as checks, drafts, etc. utilized by individuals or corporations to draw upon funds deposited at the referenced banking institution, which have been returned, unhonored, to the Cooperative because insufficient funds exist in the account to cover the instrument, the account's assets have been frozen, or other legal action has been instituted disallowing drafting of the funds.
  2. Checks not honored by a financial institution will be classified as non-payment of electrical service and the account will be disconnected with proper notice.
  3. Proper notice will be by letter, giving the member at least five (5) days from mailing to make satisfactory payment or the service will be disconnected for non-payment.
  4. When a non-sufficient fund (NSF) check is received to avoid disconnect, the service may be disconnected without further notice. Cash payment may be required based on past history of NSF checks.
  5. A NSF fee will be applied to all NSF checks.
  6. In extreme cases, the Cooperative may sign a criminal complaint against habitual offenders with the appropriate States Attorney's office.
  7. These rules apply to non-sufficient fund ACH withdraws where applicable.
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