During the first 6 months of your use year, you may bank up to 100% of your points to be used the next use year.
From 6 months until 3 months, you may bank up to a total of 50% of your points.
With 3 months left in your use year, you may bank up to a total of 25% or your points.
During the last 2 months, no more points may be banked.
These % totals are not cumulative- if you have banked 50% or more during the first 6 months, you may not bank any more inside of 6 months since you have already reached the 50% maximum.
For a June Use Year- you could bank 100% up thru November 30, 50% up thru February 28 and 25% thru March 31.