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I ran across this too and was able to narrow down what happens, at least for me.
1. Turn off the "Auto-engage Time Bank" setting.
2. While it is still someone else's turn to act, click to activate your Time Bank for when it is your turn.
RESULT: The Time Bank turns Green as though it has been activated.
3. When it is your turn, let the clock run down to the Time Bank.
ISSUE: Although the Timebank was green your hand is folded and you are sat out without utilizing any of the Time Bank.

WORKAROUND: Always wait until it is your turn to act to activate the Time Bank.
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