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Electronic Funds Transfer

Convenient, controlled payments

You're in control


As an Xcel Energy business customer, you can pay your bill directly from your account via Electronic Funds Transfer (EFT).

EFT helps you minimize cash management efforts while maximizing your use of funds.

EFT provides quick and convenient electronic transactions (also called EDI-820 payments) using the Automated Clearing House (ACH) network, part of the Federal Reserve Bank system.


Electronic payments offer heightened control over timing and amount of payments. Here are a few more reasons to consider EFT:


To quality for EFT payments, you must be a business customer of Xcel Energy who can transmit CTX formatted payments through your own software or via a payment processor, such as a bank.

How to get started

If you're not familiar with EFT:

Electronic transactions are made using the Automated Clearing House (ACH) network. EFT files have two components: payment instructions and remittance detail.

Follow these easy steps to get started:

If you're familiar with EFT:

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