Understand Your Use Year and Secure the Full Value of Your DVC Contract
Why Your Use Year Determines Your Banking Deadline
Your Disney Vacation Club (DVC) banking deadline depends entirely on your Use Year, the month your contract renews annually. Disney allows you to bank 100% of your current year points within the first 8 months of your Use Year. After that, banking is no longer allowed, and unused points will expire permanently at the end of the Use Year.
DVC Use Year and Banking Deadline Chart
Here’s a quick-reference table to help determine your banking deadline:
Use YearBanking DeadlineDecemberJuly 31FebruarySeptember 30MarchOctober 31AprilNovember 30JuneJanuary 31AugustMarch 31SeptemberApril 30OctoberMay 31
You can also visit Disney’s official Use Year FAQ for more information on how Use Years work.
Why Missing the Banking Deadline Hurts Your Value
Banking is final and irreversible. If you miss your deadline, there is no grace period. This is especially critical if you’re planning to sell your DVC contract; expired or unusable points can decrease your listing’s value and make it less appealing to buyers.
If your sale happens close to the banking cutoff, there may not be enough time for the buyer to receive and bank the points. In this case, it’s often best for the seller to bank them in advance or agree to do so as part of the negotiation. This can enhance your contract’s appeal on DVC Sales.
Tips to Avoid Losing DVC Points
- Log in to your Disney Vacation Club account to view your current point balance and upcoming deadlines.
- Contact Member Services for verification of your banking window.
- Ask our team at DVC Sales to calculate your banking window based on your Use Year and current points.
- Use the DVC Point Calculator to help manage your point usage and value.
Protect Your Investment With Timely Banking
Whether you’re planning to buy, sell, or simply use your DVC membership to its fullest, being proactive about your banking deadline helps preserve your points and protect your investment. For more tips, check out our DVC Checklist and stay ahead of every important date.