I haven't done this before, so I want to make sure I understand and do it correctly. I want to transfer points from one account (myself, husband and adult kids) to another account (just myself and husband). They are 2 different account numbers and membership numbers. Both are at VWL with a December UY. I understand that a transfer can only happen once per use year. Then, if we don't use them early this summer, I would bank them before the deadline (7/31). We all travel together, so it makes sense to have the points in one "pool" and make reservations from that. All family members involved are OK with this. Am I correct? I can transfer once and then bank? Thanks.