Maybe, but usually. There has to be availability for a week for DVC to deposit that meets the criteria. It really isn't dependent on banked vs not but rather on villa availability. Obviously banked or borrowed points are potentially more at risk than the rest. Once you get down to 2-3 months from the end of the UY, it starts to get tricky. Also, never leave points sitting there unbanked later in the UY just in case an exchange does come through. DVC has a history of making things happen when it needs to when it comes to things like multiple contracts, multiple UY and the timing of when/where points are located.