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Message: <blockquote data-quote="Jeff Wilder" data-source="post: 1756461" data-attributes="member: 5122">Note that doing this allows a few rules oddities that, arguably, were designed against.For instance, a fighter that is permitted to bank feats can qualify for Whirlwind Attack at 4th level.  A fighter otherwise can't take Whirlwind Attack until 6th level.  (This occurs because both Spring Attack and Whirlwind Attack require a BAB of +4.  The fighter has a BAB of +4 at 4th level, but, RAW, only has one feat to spend.)  Obviously, Whirlwind Attack is substantially more powerful at 4th level than at 6th.As for only allowing banking the feat if one is qualified at the proper level ... if the PC is qualified at the proper level, why would the player need to bank the feat?  Why wouldn't he just take it?I allow this, but I'm very careful with it.  For instance, I'd allow a 1st-level fighter/2nd-level wizard to bank his 3rd-level feat if he intends to gain 3rd-level wizard and take Brew Potion.  And I don't allow it unless the PC, advancing along a different path toward the same result, could have taken the feat.  (For instance, a Fighter 1/Wizard 3 could, RAW, have Brew Potion ... if the level of fighter was his last.</blockquote>