You do not need to Spqce Bank within the Worldmark System. Unless you are talking about placing in RCI or II. Credits are good for about 25 months from their anniversary date. So Credits deposited into your Account on March 1, 2025 need to be placed into a Reservation NLT March 31, 2027. This is automatic you do not need to do anything. Then because you can Book 13 Months in advance that Booking might not start until April 30, 2028. This is for all Worldmark Credits - WM, WM+A, and WMTS. This is also true for House Keeping Tokens. However Guest Certificates must be used within the first 13 months.