If you’re buying a Disney Vacation Club contract close to the banking deadline, it’s smart to ask the seller to bank points in the DVC resale process. Making this request can help protect your future vacation plans by ensuring that valuable points don’t expire before you take ownership. This topic comes up often among DVC resale buyers, and it’s a detail that can make a big impact on your experience.
What Do Banking Points Mean?
Banking points means moving your current year’s Disney Vacation Club points into the next Use Year, making them available for future trips. Each DVC contract has a banking deadline based on its Use Year, which you can calculate with tools like the Disney Vacation Club Point Calculator or review on the Disney Vacation Club official FAQ.
When Should Buyers Request the Seller to Bank Points?
Our standard DVC resale contract lets buyers request that sellers bank available points before closing, especially when the transaction falls close to the banking deadline. If the seller acts quickly, it gives buyers the chance to enjoy all eligible points even if the transfer isn’t finished yet.
- Timing matters:
- Only request banking after both parties have signed the contract and the deposit is received. This helps avoid confusion and ensures the transaction is secure.
- Rescission period:
- Some sellers may wait until the 10-day rescission period ends before banking points, but in practice, most are happy to help.
Is Seller Banking Always Required?
Banking points are only urgent when the banking deadline is less than 30 days from closing. If your closing will happen before that date, or if the deadline is further out, you can bank points yourself once ownership is transferred. For most DVC resale contracts, this step is optional, but it’s good insurance when timing is tight.
How to Confirm Banking Eligibility
If you’re not sure whether your contract needs banking or if the points are still eligible, reach out to our experienced team via our Contact page. We’ll confirm your deadline with Disney, review your specific contract details, and coordinate with the seller if necessary.
Making the Banking Request
Once the contract is signed and the deposit is submitted, simply ask your DVC Sales agent or the seller to bank the points. Most sellers are happy to help, especially since it helps protect the buyer’s investment and keeps the resale transaction moving smoothly. For more on contract terms and best practices, see our DVC Resale Listings and Disney Vacation Club Checklist.
We’re Here to Help
Whether you’re a first-time buyer or a DVC veteran, our team is available seven days a week to answer questions about banking, deadlines, and contract strategy. For more about Use Year, point management, and maximizing your DVC ownership, check the Disney official Use Year guide or connect with us directly.