Hey Howdy Hey, Sharon!
Welcome to planDisney and thank you so much for stopping by with your question. Yeehaw! How exciting that you are thinking of enjoying a Disney vacation using your Disney Vacation Club Membership. As a Member for the last 22 years, the flexibility of Banking and Borrowing our Vacation Points has really maximized the magic of family trips. It allows us to adapt our Disney vacation to what works best for us each and every year.
Sharon, if your
Banking Deadline is September 30th, then it sounds like you have a February Use Year. So, whatever Vacation Points you do not Bank by September 30th will have to be used - meaning travel completed - by the last day of your Use Year, which would be January 31st (if you have a February Use Year.) Anything not used by that date will be forfeited.
With this in mind, my recommendation would be to book your Disney vacation using your Vacation Points by September 30th for the January 2026 travel, so that you can then see what you will have left to Bank. Just be sure you
Bank those Vacation Points by September 30th. Alternatively, you can Bank your Vacation Points by September 30th and plan a vacation around what remaining Vacation Points you have, but any Vacation Points not used (again, travel has to be completed) by January 31st will be forfeited. If you need to, you can pay for your vacation with a combination of Cash and Vacation Points, as long as each night is paid for by either
Cash or Vacation Points (they can't be split to pay for the same night.)
If you have any questions about Banking and Borrowing, I would recommend calling
Member Services. They can look into your specific account and guide you further as the best way to maximize your Vacation Points.
You can also stop back here to see me, and I'll be so happy to help you. Afterall, you've got a friend in me!
Magically Yours,
Keri