Buzz,

As was mentioned before, if you are more than 5 hours negative bank, this is probably the section that applies to you. It's under "Full Service Bank" in Section 12:

In each bid period:
21 a. a pilot may deposit into his bank account up to 20 hours of credit that is accumulated
22 in excess of 80 hours in such bid period.
23 b. the first five hours of credit a pilot accumulates in excess of 80 hours will be
24 automatically applied against a negative bank balance. Such repayment does not

25 constitute a deposit

As far as turning around and withdrawing it, I don't think you will be able to do it. You can take a look at your time card, take a look at where it says "Bank Opt Limit 1." I believe this is what you can use the bank to fill up to every month. This month mine will only let me fill up to 77 hours based on an ALV of 72 hours.

Denny