Company: AWK
Filing Date: 2025-02-27
Form Type: S-3ASR
Source: 0001410636-25-000050
Chunk: 4

Company: American Water Works Company, Inc.
Filing Date: 2025-02-27
Form: S-3ASR
Chunk 4
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 |     | Equiniti Trust Company, LLC    |
|            |     | P.O. Box 10027                 |
|            |     | Newark, NJ 07101               |
|            |     | Attention: Plan Administration |
| Internet:  |     | www.equiniti.com/us            |

#### Forms
. Your Plan statement will contain a form that may be used for future Plan transactions. Contact Equiniti if you require any additional forms.

#### Transaction Fees
. You are responsible for the transaction fees described in this Prospectus. All fees are subject to change. Plan participants do not pay a fee for dividend reinvestment or additional purchases of American Water common stock. Fees that are payable by Plan participants are set forth below. Except as described in this Prospectus, American Water pays the costs of administering the Plan.

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| Transaction Fee Summary:          |     |                                                                                                                                                                                                                                                                                                                                             |
| Dividend Reinvestment             |     |                                                                                                                                                                                                                                                                                                                                   No charge |
| Additional Purchases              |     |                                                                                                                                                                                                                                                                                                                                   No charge |
| Sale of Stock                     |     |                                                                                                                                                                                                                                                                                                                 $18.00 plus $0.15 per share |
| Withdrawal/Termination from Plan  |     |                                                                                                                                                                                                                                                                                                                                      $18.00 |
| Returned Check/Insufficient Funds |     | $35.00 per check/electronic funds transfer rejection (If a check is returned for insufficient funds or if there are insufficient funds in your bank account for an electronic funds transfer, Equiniti reserves the right to sell all or a portion of your Plan shares to cover the returned check/insufficient funds fee. See Question 5.) |
| Duplicate Statement               |     |                                                                                                                                                                                                                                                                                          No fee for current year, $25.00 for previous years |

Because this is a summary of the Plan, it may not contain all the information that may be important to you. You should read this entire Prospectus carefully.

### RISK FACTORS
Investing in American Water common stock involves risk. You should carefully review the risk factors set forth in American Water’s Annual Report on Form 10-K for the fiscal year ended December 31, 202 4 , which is incorporated by reference in this Prospectus, as well as in any subsequent filings with the Securities and Exchange Commission (“SEC”). Before making an investment decision, you should carefully consider these risks as well as other information American Water includes or incorporates by reference in this Prospectus, including filings made with the SEC after