Example:
February Use Year
It began 02/01/2020 and ends 01/31/2021.
Deadline for banking: 09/30/2020
According to PP: if you knew you were going to bank those points, the first day you could have banked them would have been 02/01/2020. If you had tried to bank them on 01/31/2020, it would have been too early. I never tried to bank more than a few weeks before the deadline, so I am not speaking from personal experience.