Full Service Bank
1. A pilot’s bank will have an account balance that is positive, negative or zero.
2. A bank balance is subject to the following limits:
a. A positive bank balance may not exceed 60 hours.
b. A negative bank balance may not exceed 30 hours.
3. In each bid period:
a. a pilot may deposit into his bank account up to 20 hours of credit that is accumulated
in excess of 80 hours in such bid period.
b. the first five hours of credit a pilot accumulates in excess of 80 hours will be
automatically applied against a negative bank balance. Such repayment does not
constitute a deposit.
c. a deposit will be applied against a negative bank balance.
d. a pilot may withdraw all or any portion of his positive bank balance for the purposes
set forth in

e. a pilot may borrow up to 20 hours of credit from his bank in a bid period for the
purposes set forth in

4. A pilot may withdraw or borrow from his bank account for the following purposes:
a. to receive additional credit for pay purposes (up to the lesser of the ALV plus five
hours or 82 hours) for the current bid period.
Exception: A pilot may not withdraw more than five hours from his bank in a bid
period in which the pilot is awarded a GS.
b. to purchase up to ten vacation days for use during the subsequent vacation year.
c. to purchase, by mutual agreement, up to ten vacation days for use during the current
vacation year.
Note: See

8. A bank transaction(s) will be processed at the end of a bid period.
9. A pilot’s bank deposit will be processed before any other bank transaction initiated by