I am really having problems understanding the banking system, I just cannot get my head around it. My use month is September and we have not used last September 2009-2010 points yet. I think I understand that I need to bank my points in April (i.e. now eek) for use after the following September. My question is, if I bank my points now, what if I decide I really can afford a trip to Disney in either July or August, will I be able to use my banked points? Thanks for any help Confulsed of Windsor!!