Hi Randi- Messages to you are bouncing, so I'll quote my offlist reply onlist:

Lots of things can cause banding of needles, including ozone damage. Did you have an ozone danger period a few weeks ago?

Your tree could have a needle blight fungus (there are several others that cause similar symptoms), but it's a little late for symptoms to be showing up: banding usually appears in late spring. If it is a fungus, you shouldn't worry much; needle blight is
a very minor disease. You should remove dropped needles from the pot, and that will disrupt the life-cycle. Unless you have the bonsai near other pine trees that have the disease. In that case, ask Cooperative extension to recommend a protectant fungicide,
and to tell you exactly at what time in spring to spray. If that webpage you quoted is for your state, then you're fine, but if it isn't, you need to get recommendations for VA.

If it's not a needle blight fungus, it could be something more serious. like a root problem that's affecting transpiration. You shouldn't have a rootbound tree! For shame! Next spring repot and check the roots.

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