You can change your GEICO payment method online through the Policyholder Service Center or in the GEICO Mobile app, without calling anyone. Log in, open the billing section’s Payment Methods page, and update the bank account or card GEICO has on file.
People usually make this change for a simple reason: a card expired, they switched banks, or a payment got declined. Whatever the reason, you don’t need to call GEICO first. If you’d rather not manage it yourself, GEICO’s customer service can help over the phone. Either way, have your policy number and the new payment details ready before you start.
Key Takeaways
- Change your payment method online in the Policyholder Service Center or the GEICO Mobile app, both of which have a Payment Methods or autopay settings screen.
- GEICO offers two automatic payment types: Electronic Funds Transfer (EFT) from a checking account, or Recurring Card Payments (RCP) from a debit or credit card.
- GEICO says EFT reduces its per-installment fee in most states, and separately states that EFT enrollment could save up to $36 a year on installment fees.
- No online account yet? GEICO says to register first with your policy number, date of birth and ZIP code before you can set up autopay.
Update It Through the Policyholder Service Center or App
GEICO’s page on automatic payments says the easiest way to enroll or make changes is to manage your policy at geico.com and open the billing Payment Methods page. From there you can add, remove or switch between a checking account (EFT) and a debit or credit card (RCP).
The GEICO Mobile app mirrors this: GEICO’s site describes one-click bill pay and the ability to update your autopay settings from your phone. If you don’t already have an online account, GEICO says to register first with your policy number, date of birth and ZIP code.
Setting Up or Switching Automatic Payments
EFT pulls each payment from a checking account. RCP charges a debit or credit card instead. You can switch between the two, or update the account or card number on an existing autopay setup, from the same Payment Methods page.
| Automatic Payment Type | How It Works |
|---|---|
| EFT (checking account) | Pulls the payment from a bank account you link; GEICO says this option carries the lower per-installment fee in most states |
| RCP (debit or credit card) | Charges the card you choose on file each due date |
GEICO says its normal per-installment service fee, “which can be up to $5.00,” drops to “only $1.00” in most states when you pay by EFT. Separately, GEICO’s automatic-payments page states that enrolling in EFT could save up to $36 a year on installment fees. As of September 2026, those are the two figures GEICO publishes; confirm your own account’s fee before assuming either applies to you.
Calling or Getting Help From GEICO
If the online steps don’t work for you, GEICO’s automatic-payments page also points to website, app and chat support, describing it as available 24/7. For billing questions by phone, GEICO’s general customer service line is (800) 207-7847; see every way to reach GEICO’s customer service for other numbers.
The automated line at (800) 932-8872 is built for making a one-time payment by phone, not for updating the payment method saved on your account.
What to Have Ready
- Policy number: GEICO may ask for it online or on the phone.
- For EFT: your bank’s routing and checking account numbers.
- For RCP: the card number and expiration date you want on file.
- First time online? Have your date of birth and ZIP code ready to register.
Want the full list of ways GEICO accepts payment, including paying in full versus by installments? See our overview of GEICO’s payment options. Switching from a card to a checking account, or the reverse, doesn’t change your installment schedule, only how each payment gets collected. If you’re making this change because a payment is already overdue, our guide to GEICO’s grace period for late payments covers what happens next.