No automatic and honestly I would not want it. Nothing to do with
DVC benefiting but rather it means that someone else is making a decision on an owners behalf that may not be what they want.
Even allowing an owner to set it up to be automatic could be an issue. An owner could decide one year they don’t want to bank but forgot and it happens. It has happened with people forgetting to cancel a waitlist and end up with something they didn’t need anymore.
Once banked, it can’t be reversed so leaving it in the hands of the owner is the best