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Keep your budget on track, knowing your mortgage payments are made on time, every time. Key has several convenient payment methods you can use to make your payments as quickly and easily as possible.

KeyBank Mortgage Payment Methods

Remember, your payment will be considered effective on the date it’s received, and payments made on a weekend or federal holiday will be processed on the next business day.

Online and Mobile Banking

Transfer funds, make a one-time payment or schedule a recurring payment in online banking or with the mobile app. It’s secure, convenient and easy to use. Plus, you’ll see the date by which your payment will be received, backed by our Bill Pay Guarantee.

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Pay by Phone

Call us, weekdays 8:30 AM to 8 PM EST, to make your payment from any checking or savings account, including those held at other banks. If you make your payment from a non-Key account after 7 PM EST, it will be processed the next business day.

KeyBank Mortgage Customer Service
1-800-422-2442

Automatic Payments made by ACH

To schedule a recurring monthly payment from an account held at KeyBank or another U.S. bank or financial institution, complete and submit our ACH form. You select the date you want your payment withdrawn monthly, so you’ll know your payments are made on time. Remember, if that date happens to fall on a weekend or federal holiday, your payment will be processed the next business day.

ACH activation usually takes five business days after we receive your completed form, so continue to make your payments with another method until you receive written confirmation of your enrollment in ACH from KeyBank Mortgage.

If your mortgage servicing was transferred to KeyBank and you were already using ACH for payments, you don’t need to complete a new form -- your payments will remain uninterrupted.

ACH Form

Pay in a Branch

Make your mortgage payment in any KeyBank branch during normal business hours. If you make your payment in branch on a Saturday, it will be effective the next business day.

Branch Locator

Pay by Mail

To send your payment by check, include your payment stub and write your account number on your check’s memo line. To be sure your payment is received on time, allow 7 – 10 business days before your due date.

KeyBank Mortgage Payment Processing
P.O. Box 94588
Cleveland, OH 44101-4588

Mortgage Payment FAQ

I have misplaced or have not received my monthly invoice. Do I still need to make a payment?

Yes, you must still make your payment. If you want to, you can view and print copies of your monthly statement in KeyBank online banking.

You can pay your bill through online or mobile banking, phone, by mail or at a nearby branch, without having your statement with you.

To confirm the monthly payment amount, call mortgage customer service at 1-800-422-2442.

If you would like to make your payment by mail, write your account number on your check and mail your payment to:

  • KeyBank Mortgage Payment Processing
    P.O. Box 94588
    Cleveland, OH 44101-4588
When are my payments due?

Most of KeyBank’s mortgages are due on the 1st of the month, but please refer to your loan closing documentation, first payment letter, or monthly statement to confirm your payment date, or call mortgage customer service at 1-800-422-2442.

May I make my payment with a credit card?

No. Your monthly payment must be drafted from a checking or savings account.

Will you accept less than the total amount due?

In certain situations we will accept a partial payment, but it cannot be applied to your loan until we have received enough funds to satisfy a regular payment. To learn about your options, call mortgage customer service at 1-800-422-2442.

If you are having difficulty making your payments, visit key.com/hardship or call 1-866-325-9677. We may have a program available to assist you.

If I make an additional principal payment to my loan, how will the funds be applied to my mortgage?

Once your regular payment has been satisfied, any additional funds left over will be applied to your mortgage as a “Principal Only” payment. Note, we can only process the principal payment if your current month’s payment has been received, your loan is not delinquent, and you have no outstanding fees.

If my payment is due on the 1st and I have a 15-day grace period, when would a late charge be assessed?

Late charges and grace periods vary in accordance with the mortgage note. Most mortgage payments are due on the 1st of the month and have a 15-day grace period. If your payment is not received before the grace period ends, a late charge will be assessed at the end of business on the 16th day.

My loan is currently set up for ACH service, what happens if my payment is returned due to insufficient funds?

We will send a letter to notify you that your payment has been returned. You will need to use a different payment method (e.g. make your payment at a local branch or pay by phone) to make up this payment. Once your loan is current, the ACH service will go back into effect on the next scheduled payment date.

I would like to change or cancel my ACH Service. How do I do that?

You may want to adjust the amount of your payment, use a different account or make another change to your ACH payment service. To do so, complete and submit a new ACH Form with the new information.

To cancel your ACH payment service, call 1-800-422-2442 or write us at 4910 Tiedeman Rd. Brooklyn OH 44144. It usually takes three business days to process your request and when you cancel by phone, an ACH cancellation letter will be mailed to you on the date the service is canceled.

Payoff Information

How do I obtain payoff information for my KeyBank mortgage?

For more information regarding payoff, call mortgage customer service at 1-800-422-2442.

When will I receive the papers verifying my loan has been paid in full?

A paid in full letter is mailed 7 business days after the loan payoff is posted to the account. Additional documentation will be mailed in accordance with state guidelines.

How long does it take to receive the remaining funds in my escrow account after my loan is paid in full?

A check will be issued within 20 business days of the date your loan is paid in full.

If I am closing on my house, or have requested a Payoff Statement, do I still need to make my payment this month?

Yes. It is important that you continue to submit your monthly payment as you normally would. If your payment is submitted using our ACH program, notify us at least 3-5 days in advance of the next scheduled draft so your ACH can be canceled. Should the payment be deducted from your bank account after your loan is paid in full, we will return it to you within two weeks.

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