Originally Posted by
Alan Shore
This is not true. As you say, you bank hours and not pay. If you bank an hour as an FO, you lose one hour of pay that month at your FO pay rate. If you later withdraw that hour as a Captain, you add one hour of pay that month at your Captain pay rate.
You still worked the exact same hour for the pay. You simply time shifted when you do the work. If you want more time off at a later date works well.