To qualify to earn Binary Commissions, you must first achieve the rank of Executive.

An Executive is someone who has at least 25 points in Personal Volume (PV) and has two active Personally Enrolled Members (PEMs), with one on the right leg and one on the left leg.

As long as your account is active you will accumulate (bank) Binary volume forever. Your Binary volume will continue to build, like money in the bank, until you qualify to earn it (be an Executive).