Banking is the term for moving Vacation Points from the current Use Year to the next Use Year. You can also move Vacation Points from the next Use Year to the following Use Year for Disney Cruise Line or Adventures by Disney vacations.
As a Disney Vacation Club Member, one of the great advantages of your Membership is vacation flexibility. Some years, you may not be able to use all your Vacation Points—or perhaps you want to take a bigger vacation next year. In these cases, banking Vacation Points for use in your next Use Year is a great solution.
In months 1-8 of your current Use Year you can bank up to 100% of your Vacation Points for the following year; you cannot bank Vacation Points in months 9-12.