Originally Posted by
MrBojangles
Dumb question here, but if I bank 5 hours at my pay level now and withdraw it a few years later at my higher pay rate, they pay out at the new level, right? New to the credit bank here.
Yes that is correct. The game is to bank the max at a low rate (before upgrade or equipment change) and withdraw at the high rate. You can also work it in reverse before a displacement--withdraw to -30 at the high rate and replenish at the lower rate.