Need Help with PTO Banks Setup

Hi Experts,

I need your help in understanding the requirements to setup PTO Banks.

We have two PTO banks setup for Non Exempt employees:

Non Exempt PTO

Non Exempt Pre-load PTO

The requirement is that when Non Exempt PTO balance reaches zero, system should start debiting the balance from Non Exempt Pre-load PTO bank.

Please suggest available options to achieve this requirement

Regardss,

Jagdish