Sometimes customers face circumstances that stretch their financial resources. Missouri American Water is here to assist. Our customer service representatives will work with you on a plan to pay the balance of your bill over time. You may also be qualified to receive assistance through our H2O Help to Others Program™.

Enhanced Installment Plan

To help customers who are experiencing hardships due to COVID-19, Missouri American Water is offering an enhanced installment plan through January 31, 2021.

If you have a past-due balance, please call us today to set up an installment plan to pay the balance over time. Our customer service representatives are available at 1-866-430-0820 Monday through Friday from 7:00 a.m. to 7:00 p.m.

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

These payment arrangements may require you to:

  • Pay a percentage of their balance (up to 25%) up-front. The percentage is based on the customer’s payment history.
  • Pay the rest of the bill according to an agreed upon schedule of up to 12 months
  • Pay all future bills as they become due

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 if 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?

Call the Missouri American Water Customer Service Center toll-free at 1-866-430-0820. Our customer service representatives will work with you and connect you with the Community Action Agency in your area:

Central Missouri Community Action – The program is managed by the Community Action Agency of St. Louis County with support from the CMCA.

Audrain County: 1-573-582-7864
Cole County: 1-573-635-4480

Community Action Agency of St. Louis County manages the programs in Audrain, Cole, Jasper, Jefferson and Newton Counties: 1-314-863-0015, ext. 654

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

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

Jasper and Newton counties: 1-314-863-0015

Jefferson-Franklin Community Action Corporation
Cedar Hill and parts of Jefferson County: 1-636-789-2686, ext. 117

Missouri Valley Community Action
Chariton County: 1-660-548-3155
Johnson County: 1-660-747-2245

Northeast Community Action Corporation
St. Charles County: 1-636-272-3477 Warren County: 1-636-456-8191

United Services Community Action Agency
Platte County: 1-816-858-5153

Low-Income Assistance Program

Eligible customers in Missouri American Water’s BrunswickPlatte County and St. Joseph Districts can reduce their monthly water bills by taking advantage of a low-income rate. This rate was introduced as a pilot program in 2017, and reduces the customer charge, or fixed charge. For more information on eligibility requirements and how to apply, click this link.