Xcel Solar banking credits

When I installed roof top solar, I chose an option to bank my energy credits to off set my energy charges. As I was new to this and had no history of my energy consumption with my solar I thought this was a good choice to rollover my monthly credits. As it turns out my consumption and costs are lower, based on switching to there time of use discounts and some of my family moving out of our home. I now have a bank of rollover credit of over $800 and it continues to grow. I am told I can not change my option to receiving a check pay out once I am enrolled in the roll over program. This seems ridiculous. Xcel is getting energy from my panels and is not paying for it. Yet they still charge me for the transmission costs.

There needs to be a rule update from the PUC to allow consumers to change options. I would like to be able to change my choice and receive a check payout.