Is la cuenta both a bill you pay at a restaurant and a monthly credit card or electricity bill?
I know "la cuenta" is "the bill" you pay at the end of your meal in a restaurant. Is the same word used for monthly bills like credit cards, electricity, & cell phone payments?

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Answer

"Bill" can translate like: Factura.
I need pay the bill. Necesito pagar la factura.

"Factura" is used when you pay in: Supermarket, cellphone payments, etc. Examples:
Necesito pagar la factura de energía.
Por favor, deme una factura de mi compra.
La factura tiene un error.
Debemos pagar la factura.

Answer

I can't say for sure for other countries of Latam but in Mexico we call those "recibos". el recibo de la luz, del celular, etc.