Banking Rules You may bank some, or all, of your Vacation Club Points* to use during the following Use Year between 12 and 4-6 months before the end of the present Use Year as outlined in the chart below. Benefit Level Banking Deadline prior to the end of current use year Use Banked Vacation Club Points Owner 6 months Within the immediately following Use Year Select 6 months Within the immediately following Use Year Executive 4 months Within the immediately following Use Year Presidential 4 months Within the following 1.5 Use Years Chairman's Club 4 months Within the following 2 Use Years Once banked, Vacation Club Points need to be used for vacations that occur during the following Use Year. They may not be banked again, borrowed back, or transferred to another Owner. To view a banking tutorial, click here. *Holding Points, Plus Points, and FDB Points cannot be banked.