I think it only allows 5 hours over 80
(but I might have dreamt that)

In icrew on the bank page it will tell you how much you can bank. As a generality you can bank anything over 80.

Over 80, credit only (so tough in vacation month and no gs). Max of 20 per month

You did dream it :D. This is not right

This is right - with the clarification that GS is pay NO credit, so they don't help with banking time. Also, the bank will automatically soak up your first five hours of CREDIT over 80 if your balance is negative. You can manually un-do this if you want.

I knew there was something about 5 hours. I have a lot of bad dreams��

I'd like to see this changed for the next contract. 90+ hours due to vacation and zero chance of putting anything in the bank @ only 44 hours credit for the month.

Also, I'll point out for the new guys, while it's easy to withdraw from your bank, as you can see, it's pretty hard to put hours back IN. It has to be Credit - which you only get from actually a trip you get on your line or white slip. Vacation, Green slips, and other pay doesn't count. Sick leave does count. You can only deposit hours above 80, which on reserve can be hard to come by.

You can bank up to 20 per month. Any credit hours over 80 are bankable up to 20 per month. Bank balance is capped at 60 hours.

And the negative bank is capped at -30. Hey, I know that one very well indeed!

This is good when you are within your first few years with Delta and would like a little extra vacation time!