Question about "banking" XP

Could someone please explain how the "banking" system works. Do I still have a way to save if I am trying to get the bonus? I know you lose the bonus if you spend your XP but what if you just the touch the "not bon-fires) to try and save your game? What do I have to do for the bonus? You lose it every time you die right?

@rasputin177:

Bonus is lost from dieing (but if you quit the game then and reload a save you don't lose your bonus).

And banking XP removes the bonus. Banking xp means pressing select and leveling up.

Saving the game and restoring health potions doesn't remove the killstreak bonus.

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