Ditto to this. Many reasons to utilize the Bank.

I bank hours in the summer when the ALVs are high and I'm flying my rear-end off, and then I use those hours to bolster my Nov/Dec. when the flying on my fleet drops off and the ALVs are low.

And like banking the hours as an FO and pulling them as a CA, if you're not yet on the 12-year pay step, you can bank hours before your anniversary and take them out after your anniversary, and keep the hours in the same PS year.