Dont know the right answer.. but my buddy who had the Banks on his Ford. They said it was covered.. when the trannie went out.. he spent months trying to get them to pay.. They finally did.. but I think its a really sticky area.. I have talked to numerous Ford Dealers about the Banks system.. Some say they cover it .. and some dont.. I think its a gray area.. Cause you can order the truck from the dealer with the banks system.. Its a little misleading