When it finally works proper "The Time Bank" is subtracted from each time you can't make a move within your time control.
So if you had a 3 day game with 7 day time bank... and didn't make a move in 10 days... game over.
Time is taken out of the time bank each time you miss the 3 day mark. So if you moved avery 4 days it would eat one day from the time bank each time until the 7 days were gone.
P-