Hi there, Leigh! I am so right there with you on getting confused about banking and borrowing - it took me quite a while to figure out how things worked so I knew I wasn't going to lose points because I didn't know how to use them.
Banking DVC points is a great way to save points to splurge on an extra special trip or to save points you haven't had a chance to use in the current use year. When you
bank your points, they act like the points for that following year, into which you have banked them.
So, in your case, if your use year starts April, and you want to bank points from your April, 2017 use year, into the 201 use year, they would expire the same time your April, 2018 points expire. That means you have until the end of March, 2018 to use those points.
You'll want to review the
DVC points banking rules before you make the leap. I am especially keen to remember that you can't borrow banked points, and they can't be banked into the following year, so make sure banking is the right thing to do for your points.
Thank you so much for your question!