This depends on your county and state law. To know all your legal options - go see an attorney or legal aid (if qualified). In most cases, banks don't pay cash for keys at this point.
However, some might - it depends on the asset manager and time line he is dealing with.
Some banks will send in a company to change locks (because to them you are an overstayed tenant),
or they might send an agent to talk to you and ask you to leave. If you don't, the eviction will start.
Hope this helps,
Beachfront Realty, Inc.