KeyBank offers a Bill Pay Guarantee*, to ensure your payments are received accurately and on time. Double check the amount and schedule your: Electronic payments at least 2 business days before the due date. Check payments at least 4 business days before the due date. If payments are made within the above guidelines of the guarantee and KeyBank does not properly complete a bill payment on time or for the correct amount, KeyBank will pay any late fees and finance charges that result solely from that failed bill payment and send any correspondence necessary to rectify credit reporting.