We can still bank, but you can only deposit any credit above 80 hours (up to 20 hrs/mo., +60 hrs total). Since the max rsv guarantee is 80 hrs, you will not be able to bank unless you GS or fly your butt off.

Transactions must be requested before the last day of the month, so if you are going to be close don't wait around to see what the final credit number is. You can request "in the blind" meaning you can tell the computer you want to deposit 5 hours, if you only credit 82.5, the bank will deposit 2.5 hours and disregard the rest.

If you are negative, the computer will automatically take up to 5 hours per month over 80 until you are back to 0.

For reference it is Sec. 12 O.