Your banking deadline depends entirely on your Use Year — the month in which your DVC contract renews each year. Disney allows you to bank 100% of your points within the first 8 months of your Use Year. After that point, banking is no longer an option. If the points go unused by the end of the Use Year, they expire and are lost permanently.
Here is a quick-reference table to help determine your banking deadline based on your Use Year:
| Use Year | Banking Deadline |
|---|---|
| December | July 31 |
| February | September 30 |
| March | October 31 |
| April | November 30 |
| June | January 31 |
| August | March 31 |
| September | April 30 |
| October | May 31 |
Why It Matters:
Banking is a final and irreversible transaction. If you miss your banking deadline, there is no grace period or appeal. This is especially important if you're selling your contract — expired or unusable points can reduce its value and make it less appealing to buyers.
If your contract sells near the end of your banking window, there may not be enough time for the buyer to receive the points and bank them before the deadline. In this case, it’s often best for the seller to bank the points in advance, or agree to do so as part of the deal.
Tips for Avoiding Point Loss:
Log in to your Disney Vacation Club account to check your available points and deadlines
Contact Member Services for verification
Ask our team to calculate your banking window based on your Use Year and current point balance
Being proactive about your banking deadline helps preserve the full value of your DVC membership — whether you’re buying, selling, or just trying to make the most of your points.