Originally Posted by Iceberg

You can elect to deposit hours into the bank each month if you go over the required minimum shown on the time card. You can also elect to withdraw hours from the bank up to the set limit. If you don’t have hours when you withdraw your account goes negative. You can carry a negative balance indefinitely but if you fly over the minimum time to make a deposit, the company will automatically pay itself back with that time.
I have put extra hours in now with the idea that on my anniversary they will appreciate in value to second year pay. They also are good to get yourself to the green slip trigger if needed.