Print-worthy reference showing the exact banking deadline for every DVC use year in 2026, plus the two banking windows Disney enforces and the point-forfeiture math when you miss.
DVC gives every member a one-time chance per use year to move unused points forward into the next use year. The deadline is fixed relative to your use-year anniversary — end of month 8. Miss it and the points expire worthless at the end of your use year. Every year Disney sees millions of banked points and hundreds of thousands of forfeited points, mostly from members who lost track of their calendar.
February use year: banking deadline September 30, 2026. March: October 31, 2026. April: November 30, 2026. June: January 31, 2027. August: March 31, 2027. September: April 30, 2027. October: May 31, 2027. December: July 31, 2027. Bank early — Disney processes bank requests submitted on the deadline day but not requests submitted after 11:59 PM Eastern.
Disney allows banking at any point from day 1 of the use year through day 1 of month 8. Points banked in months 1–4 preserve full 12-month usability in the next use year; points banked in months 5–8 preserve full usability but must actually be booked before your normal expiration. There is no penalty for banking early — bank as soon as you know you won't use the points.
A missed banking deadline forfeits every remaining unbanked, unused point at the end of your use year. Members who miss the deadline on 100 points at Bay Lake Tower have lost roughly $2,000 of member-rental value or 6–8 Deluxe Studio nights in Adventure Season. There is no appeal process, no grace period, and no "sorry we missed it" reinstatement. Disney's answer is always no.
Log into the member site. Check "My Points" for current use year balances at every contract you own. If any current-year points are unbooked and unbanked, decide within a week: bank them, book a speculative reservation you can cancel later (points return to current-year unbanked, giving you a fresh cycle), or accept the loss. Banking is one click; do it if you have any doubt.
Members who miss the banking deadline can still preserve some points by booking a speculative reservation before the use year ends. When the reservation is later canceled outside the 31-day window, points return as normal current-year points with any remaining life on them. This does not extend past the use-year expiration but can rescue points that would otherwise die in the last month.
Set three reminders on your phone: 60 days before deadline, 30 days before, and 7 days before. Add the deadline to a shared family calendar. If you own contracts on multiple use years, create one reminder per use year. Automated calendar reminders are the single highest-ROI 2-minute action any DVC owner takes each year.