If an owner isn't going to use week owned, or if owner wants to use it to exchange elsewhere, the owner can "bank" the week with resort's exchange company. Once "banked" the owner has typically two years in which to request an exchange against the banked week. Importantfor owner to understand that "banking" it means the occupancy rights to that week belong to the exchange company and someone else will be booked into that time slot, so it will not be available AT THE RESORT for the owner's use, or the buyer's use if the timeshare is being sold to a buyer.Confusion about what "banking" means is a major cause of misunderstanding between seller and buyer in a resale transaction because it is often thought that the banked week is still available when in fact an exchange must be successfully confirmed in order to use the week.