public static function get($id)
{
    $user_bank = self::findOneBy('`user_id` = ?', [$id]);
    if (!$user_bank) {
        $user_bank = new self();
        $user_bank->user_id = $id;
        $user_bank->deposit = 0;
        $user_bank->deposit_sum = 0;
        $user_bank->percent = 10;
        $user_bank->exchange_sum = 0;
        $user_bank->save();
    } 
    return $user_bank;
}

// xyz - название Вашего модуля
function xyz_user_pass_form_validate($form, $form_state){
  // Тут 3 - это кол-во допустимых запросов за 86400 секунд.
  if(!flood_is_allowed('request new password', 3, 86400, $form_state['values']['name'])){
    form_set_error('name', 'Reset password limit exceeded.  Please contact technical support for further assistance.');
	flood_register_event('request new password', 86400, $form_state['values']['name']);
  } else {
    flood_register_event('request new password', 86400, $form_state['values']['name']);
  }
}

hook_form_user_pass_alter($form){
  array_unshift($form['#validate'], 'xyz_user_pass_form_validate');
}