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Money explainer

Memberships and banked units

A membership is a recurring charge that buys a discount, a credit, or both. Banked units are what’s left when the credit outlasts the treatment.

Reviewed Sep 14, 2026. Education only: mechanics and arithmetic, not financial advice.

Sources checked Sep 14, 2026

What the monthly charge buys

  • A discount on treatments paid for separately
  • A credit toward treatments, which may or may not roll over
  • Units or sessions set aside — “banked” — for later

Banked units are a balance someone else keeps

Credit that turns into banked units is a balance recorded by the business. What it’s worth depends on terms that are easy not to read: when it expires, whether it survives cancelling, and what it can be used for.

Units belong to a product. Each neurotoxin’s prescribing information says its units don’t convert to another product’s, so a bank of one brand’s units says nothing about how much of another brand it would buy.

The exit

  • How to cancel, and how much notice it takes
  • Whether there’s a minimum term, or a fee to leave early
  • What happens to banked units and unused credit on cancelling
  • Whether the charge continues while treatment is paused

Counting the year

A membership is paid twelve times in a year whether or not you book. The quote calculator counts it that way, and says so.

Worked example · hypothetical figures

$99 a month with a $99 monthly credit, against a $480 treatment

The membership is $99 a month. Each month’s $99 becomes treatment credit, and anything above the credit is 10% off. The treatment is $480.

Three treatments, no membership
$1,440
Membership for 12 months
$1,188, which becomes $1,188 of credit
Three treatments, with the membership
$1,188 + ($1,440 − $1,188) × 90% = $1,414.80
Two treatments, no membership
$960
Two treatments, with the membership
$1,188, with $228 of credit unused

The membership comes out lower only at the pace the arithmetic assumed. At a slower pace, the difference becomes a balance on someone else’s books.

The figures are invented to keep the arithmetic easy to follow. They aren’t typical prices, and nothing here says what a price should be.

Questions to ask

  1. 1What does the monthly charge buy — a discount, a credit, or both?
  2. 2Does unused credit roll over, and does it expire?
  3. 3Which products can banked units be used for?
  4. 4How do I cancel, with how much notice, and what happens to banked units when I do?
  5. 5Is there a minimum term, or a fee to leave early?

Add a membership to a quote

Twelve payments a year, whether or not you book.

Open the quote calculator

Sources