Bank rules control the accumulation of excess Reported Amounts and their withdrawal in later service periods.

• Accumulate amounts in excess of: Threshold above which amounts are deposited into the bank.
• Period target value: Target used to determine the excess available for deposit.
• Adjustment ratio for deposits / None: Multiplies the deposit amount before it is added to the bank. None uses the unadjusted amount.
• Per-period deposit limit / None: Caps the amount deposited during one service period.
• Per-period withdrawal limit / None: Caps the amount withdrawn during one service period.
• Bank balance limit / None: Caps the total accumulated bank balance.
• Hours requirement for withdrawal / None: Minimum current-period amount required before a withdrawal is permitted.
• Maximum concurrent withdrawal years: Limits the number of consecutive service periods that may receive withdrawals.
• Withdraw until total hours equal: Caps the combined current-period amount and bank withdrawal.
• Allocate bank hours backward from calculation date: Applies withdrawals to the most recent eligible period first.
• Prohibit withdrawals at Normal Retirement Date: Prevents bank withdrawals when service is calculated as of Normal Retirement Date.