Your Account

Payment Locations


Members may pay their bill online, by phone, by bank or credit card draft, or at the Habersham EMC office in Clarkesville or Cleveland. A night deposit box is located at both offices for after hour payments. In addition, payments centers are also available for member convenience.

Wal-Mart stores throughout the nation accept e-check payments for HEMC. Wal-mart charges HEMC members a fee for this service at the time of transaction.

Local banks throughout our service area accept HEMC payments as a courtesy. Below is a list of participating banks and locations:

Habersham County

Community Bank & Trust
  • Cornelia   -   Main Office
  • Cornelia   -   Ingles
  • Cornelia   -   Quality Foods
  • Demorest   -   Branch
  • Clarkesville   -   N. Washington
  • Clarkesville   -   Ingles
Habersham Bank
  • Baldwin
  • Clarkesville
  • Cornelia
Habersham EMC Headquarters
  • Clarkesville
Southern Bank and Trust
  • Clarkesville
Traditions Bank
  • Cornelia
United Community Bank
  • Cornelia   -   Main Office
  • Clarkesville   -   Branch

Hall County

Community Bank & Trust
  • Gainesville Main -  Downtown
  • Oakwood - Wal-Mart
  • Kroger   -   Thompson Bridge

Rabun County

Community Bank & Trust
  • Clayton   -   Branch
Mountain Heritage Bank

  • Clayton
Rabun County Bank

  • Clayton
United Community Bank

  • Clayton

White County

Community Bank & Trust

  • Cleveland   -   Branch
  • Cleveland   -   Ingles
Habersham Bank
  • Cleveland   -   Branch
Habersham EMC Branch Office
  • Cleveland