Fallout 4 (FO4)

Critical Banker Perk - Is It Worth It?

Critical Banker is a Luck Perk in Fallout 4 (FO4). Learn if Critical Banker is worth it, Critical Banker's ID and ranks, as well as how to get and unlock Critical Banker.

Is Critical Banker Worth It?

Yes, You Can Stack Critical Hits and Use it in Emergencies

Critical Banker is a worthy perk to invest in early on, as you can save and stack up critical hits to be used in situations where you need it the most, such as facing an enemy while you're on the brink of death.

Best Perks Tier List

Critical Banker Perk ID

All Critical Banker IDs

Rank Perk ID
1 0004c91f
2 0004c920
3 0004c921

List of All Perk IDs

Critical Banker Ranks

Rank Required Lvl. Description
Rank 1 - You can save a critical hit, to be used in V.A.T.S. when you need it the most.
Rank 2 17 You can now save 2 critical hits, to be used in V.A.T.S. when you need them the most.
Rank 3 43 You can now save 3 critical hits, to be used in V.A.T.S. when you need them the most. Banking a critical has a chance to save an additional critical.

How to Get Critical Banker

Unlock Critical Banker at Luck 7

Fallout 4 Critical Banker Perk
Critical Banker is on Luck Level 7

The Critical Banker perk is unlocked when your Luck is at Level 7. You can start at this level by assigning 7 points to Luck during the Registration Form at the start of the game. Otherwise, you can get to this level by collecting SPECIAL magazines or bobbleheads and spending perk points upon level up.

After getting to Luck 7, you're free to spend perk points on ranking up the skill, as long as you are at the required character level to rank up.

Fallout 4 Related Guides

Fallout 4 Perks
Fallout 4 Perk Chart

All Perks Guide

Best Perks Tier List Strength
Perception Endurance
Charisma Intelligence
Agility Luck

All Luck Perks

Fallout 4 Fortune Finder SkillFortune Finder Fallout 4 Scrounger SkillScrounger Fallout 4 Bloody Mess SkillBloody Mess
Fallout 4 Mysterious Stranger SkillMysterious Stranger Fallout 4 Idiot Savant SkillIdiot Savant Fallout 4 Better Criticals SkillBetter Criticals
Fallout 4 Critical Banker SkillCritical Banker Fallout 4 Grim ReaperGrim Reaper's Sprint Fallout 4 Four Leaf Clover SkillFour Leaf Clover
Fallout 4 Ricochet SkillRicochet

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