confused again with banking questions

[Dznypal]

we have an aug UYand just got bank from our end of jan yearly trip
my dashboard shows
this is under vacation point overview
zero points for the 2025 use year
I banked our 7 extra points so they would be for the 2026 UY correct
which would be from the end of july 2026 to aug 1 2027 am I correct in this
2026 it shows zero vacation points left to bank now thats because I already book the left over points correct
and Ill get my 2027 points aug 1 of this year

One part Im confused on is we always go the end of jan and I make the resveration at the 11 month window
so were getting ready now to book for 2027 yet I cant remember how I did this since we dont have the points yet

but another issue is for next year we decided to bank our 2027 points into 2028 UY
so when can I do this
I always thought we had to bank by the end of march for an aug UY but how can that be since we dont get the new points till aug
so when can I bank the 2027 points
I know Im missing something here somewhere but I cant see it
hope this all makes some sense
please guide me

 

[Sandisw]

Because you are in your August 2025 UY, it will only show how many points that can be banked for the current UY.

Since you already banked the 7, there are 0 left.

You won’t see what you can bank for the 2026 UY until that UY actually begins on Aug 1st.

Even when you choose 2026 UY to see points, the banking box does not change. It reflects only current UY because you can’t bank points until that UY starts.

 

[Mommb]

One part Im confused on is we always go the end of jan and I make the resveration at the 11 month window
so were getting ready now to book for 2027 yet I cant remember how I did this since we dont have the points yet

but another issue is for next year we decided to bank our 2027 points into 2028 UY
so when can I do this
I always thought we had to bank by the end of march for an aug UY but how can that be since we dont get the new points till aug
so when can I bank the 2027 points

A stay in January 2027 will use 2026 points (that is, the points that become available in August 2026, plus the 2025 points you banked). When you go to book a January 2027 stay, the system will apply the 2026 points even if you don't have all of them yet, because you will have them before the stay starts.

You can bank the 2027 points once you have them in August 2027. They will be available for banking until March 2028.

 

[Sandisw]

I think where you may be getting confused is that your banking deadline in March is the calendar year after the August your UY starts.

So, first start with the UY of the points…and then you know you can bank from Aug1st up to March 31st of the following year.

 

[drusba]

A summary of the applicable rules for banking and making a reservation:

1. Your use year runs from August 1 in one year to July 31 in the next (not "end of July" in one year to "August 1" in the next year). Thus, you are currently in your August 2025 use year that ends July 31, 2026. Your next use year runs August 1, 2026 to July. 31, 2027, which would be the use year during which a Jan 2027 trip occurs The one after that runs Aug 1, 2027 to July 31, 2028.

2. During the first eight months of your use year. you can bank any points from your current use year to your next use year, i.e., you could have banked those Aug 2025 points into your Aug 2026 use year as early as Aug 1, 2025. However, you cannot bank any points left in your use year after the end of the eighth month of your use year, e.g., the latest date you could bank any Aug 2025 points into your Aug 2026 use year is March 31, 2026.

3. Assuming availability, you can reserve a stay beginning 11-months out from date of arrival at your home resort (or 7-months out for any non-owned DVC Resort). When you do that booking , you can use any or all points that are in the use year in which the trip is to occur, any points that have been banked into that use year, and, if needed, borrow points from the use year that is after the one in which the trip occurs. Thus today, Feb 22, 2026, you could reserve at your home resort a trip that begins on Jan 22, 2027, using your Aug 2026 points, the Aug 2025 points that you banked into the Aug 2026 use year, and, if needed, borrow points from your August 2027 use year. The fact that you are not yet at the beginning of the August 2026 use year is irrelevant to that reservation rule; all that matters is that the applicable points be available to use in the use year in which the trip will occur -- whether they are current, banked or even borrowed points. That Aug 2026 use year currently has all your Aug 2026 points and the points you have banked from the Aug 2025 use year, and if those are not enough to make the desired reservation, you could, when doing the reservation borrow points from your Aug 2027 use year.

4. As to banking points from your Aug 2027 use year into your Aug 2028 use year, you can do that as early as August 1, 2027.