Making Credit Card Payments at Key

Keep your budget on track, knowing your credit card 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.

If you’re having trouble making payments on a KeyBank credit card, we may be able to offer you assistance. To learn more about the options that may be available, please visit KeyBank’s Borrower Assistance page.

KeyBank Offers Options for Making Payments

Online and Mobile Banking

Transfer funds, make a one-time payment or set up Auto-Pay in online and mobile banking. It's secure, convenient, and easy to use. Plus, with Auto-Pay you'll receive a 10-day payment reminder email letting you know your payment will process soon.

Pay by Phone

Our automated system and customer representatives are available 24/7. Payments made by 11:59 p.m. ET will be effective the same day. (For example, if you're in the Pacific time zone, payments made until 8:59 p.m. are effective the same day, and payments made after that are effective the next day.) It may take up to 5 days to see your payment reflected in your account.

KeyBank Customer Service
1-800-KEY2YOU® (539-2968)

For clients using a TDD/TTY device: 1-800-539-8336

Pay in a Branch

Visit a branch to make your payment and it will be effective the same day. It may take up to 5 days to see your payment reflected in your account.

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.

Regular mail:
KeyBank
P.O. Box 89446
Cleveland, OH 44101-6446

Overnight mail:
KeyBank Lockbox Services
Attention: Lockbox 89446
5575 Venture Drive
Parma, OH 44130

Common Questions Related to Making Payments

If your account is not overdue beyond 60 days, please contact us at 1-866-325-9677. If your account is more than 60 days past due, please contact us at 1-855-537-3764.

If you missed a payment, please contact us at 1-866-325-9677.

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, by phone, by mail or at a nearby branch, without having your statement with you.

To confirm the monthly payment amount, call customer service at 1-800-KEY2YOU.

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

Regular mail:
KeyBank
P.O. Box 89446
Cleveland, OH 44101-6446

Overnight mail:
KeyBank Lockbox Services
Attention: Lockbox 89446
5575 Venture Drive
Parma, OH 44130

Your payment date is based on your billing cycle. Please refer to your monthly statement to confirm your payment date, or call 1-800-KEY2YOU for assistance.

Once your credit card account is open, you can change your payment due date:

  • At a KeyBank branch or
  • By calling 1-800-KEY2YOU® (1-800-539-2968)

Your new payment due date will take effect for the next statement billing cycle.

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

You must pay at least the minimum payment shown on your statement. Please remember that you will be charged interest on the remaining balance.

If you are having difficulty making your payments, visit our Borrower Assistance page. We may have a program available to assist you.

Hardships can come in many forms. Unemployment, decrease of income, declining property value, divorce, injury or illness – these are all considered hardships. If you are experiencing a hardship that is making it difficult for you to pay your bills, there may be help.

If you are having difficulty making your payments, visit our Borrower Assistance page. We may have a program available to assist you.

Auto-Pay Questions

Auto-Pay lets you set up automatic and recurring payments from a deposit account, such as a checking account, to a credit card account. When you set up Auto-Pay, you can choose from three different types of automatic payments:

  • Monthly minimum payment due
  • Fixed or Custom amount
  • Statement balance

It’s easy to set up Auto-Pay or adjust your payment election anytime in online banking.

Here’s how:

  • Sign on to online banking
  • From your account dashboard, choose the KeyBank credit card that you want to set up the Auto-Pay for.
  • Select "Manage Auto-Pay" and follow the prompts.

During setup, you’ll have the flexibility to choose a monthly payment date that works best for you. Your options will range from fifteen days after your statement date until your due date.

It may take up to 14 calendar days (or more depending upon circumstances) for KeyBank to complete the initial set up for Auto-Pay.

To be sure your payments are made on time, you should continue making them until you receive confirmation from KeyBank that your setup was successful. The confirmation will include the date your first Auto-Pay payment will occur.

Once the Auto-Pay is fully processed and not returned for insufficient funds, your credit card account will be credited as of the payment date. Your available credit will update after your payment fully posts to our credit card account.

If you select a payment date that falls on a weekend or holiday, the payment will be made and dated on the business day before that weekend or holiday. If the account you send the payment from is held at KeyBank, we’ll withdraw the funds for your payment on the business day before that weekend or holiday.

If the account you send the payment from is held somewhere other than KeyBank, the withdrawal will generally occur after the payment date, but the exact timing depends on your financial institution’s processing schedule.

If you select Minimum Due, the Auto-Pay Payment will be the minimum payment due shown on your Credit Card Statement in the box marked “Minimum Payment Due,” and will not take into account any additional payments or credits posting to your Account after the Credit Card Statement is sent, except that we will never allow the amount of the Auto-Pay Payment withdrawn from your Deposit Account to exceed the Current Balance outstanding on your Account.

If you select Statement Balance, the Auto-Pay Payment will be the amount shown on your Credit Card statement in the box marked “New Balance,” and will not take into account any additional payments or credits posting to your Account after the Credit Card Statement is sent, except that we will never allow the amount of the Auto-Pay Payment withdrawn from your Deposit Account to exceed the Current Balance outstanding on your Account.

If you select Custom or Fixed amount, you authorize KeyBank to adjust the amount of the Auto-Pay Payment so that the Auto-Pay Payment will never be greater than the New Balance indicated on your Credit Card Statement and will never be less than the Minimum Payment indicated on your Credit Card Statement. If you select either of these options, you will need to select a specific dollar amount you wish to be deducted from your Deposit Account and applied against your Credit Card Account as a payment. Note that if the specific dollar amount you choose is less than the Minimum Payment set forth on the Credit Card Statement, KeyBank will increase the amount of the Auto-Pay Payment to equal the Minimum Payment set forth on the Credit Card Statement. Note that if the specific dollar amount you choose is more than the New Balance set forth on the Credit Card Statement, KeyBank will decrease the amount of the Auto-Pay to equal the New Balance set forth on the Credit Card Statement.

If your Auto-Pay payment amount is more than the credit card’s balance, the automatic payment amount will be decreased to your current account balance at time of payment.

If your automatic fixed payment does not equal the monthly minimum payment due, the automatic payment amount will increase to satisfy your minimum payment due.

Credit Cards

earn up to 2% cash back on every purchase.

KeyBank cashback credit card

Debt & Credit

managing debt - tips and strategies to keep you moving forward.

Young couple sitting at a table looking at papers

Debt Consolidation

paying off debt is doable with these options and offers.

laughing on the couch
call us

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now

Go

Find a Branch or ATM

call us

Call Us

1-800-KEY2YOU® (539-2968)

Clients using a TDD/TTY device:
1-800-539-8336

Clients using a relay service:
1-866-821-9126

Schedule and Appointment

Schedule an Appointment

Talk to a Branch Manager in your neighborhood.

Schedule an appointment now