A computer network may include a host computer and a plurality of computer workstations selectively connectable thereto at which user work sessions may be initiated. Each computer workstation when disconnected from the host computer (e.g., due to server outage, etc.) may advantageously initiate a user session responsive to a user request and store session information for updating the respective user account balance when reconnected with the host computer. Additionally, when the computer workstations are connected to the host computer they may copy respective user account balances from the host computer upon initiation of user sessions, and update the copied account balances based upon computer usage during the respective user sessions. The computer network may also include at least one reservation computer for cooperating with the host computer to schedule user session reservations and provide a requesting user an estimated time before a user session will be made available.