Note: If you're on the Starter plan, you won't see a rollover bank since credits don't roll over.
When you upgrade or downgrade:
Your rollover credits are preserved
The new plan's rollover limit applies immediately
If your rollover balance exceeds the new limit, you won't lose credits, but won't accumulate more until you're below the limit
If you downgrade to the Starter plan, your existing rollover credits will remain available until used, but no new credits will roll over
If you cancel your subscription:
When your current billing period ends, all standard and rollover credits expire