Maybe you have a bank account, but you rarely use it. Maybe this is because you have funds loaded on a pay card from work or you are paid in cash, so your bank account sits idle the majority of the time with no deposits and few transactions. If you are working to make responsible financial decisions, planning to make regular deposits into your bank account may be one of the best decisions you ever make. Take a look at some of the reasons why it can be a good idea to make regular deposits in your bank account even if there is not necessarily a need to do so. 

Regular deposits can be used as leverage if you need to obtain a loan. 

Most people can get pay stubs from their workplace to prove their income. However, it is even better if you can show proof of regular deposits into a bank account if you are trying to get a rather large loan. Some lenders will even require that you provide more than one proof of your financial status and how much you earn, and bank statements reflecting regular deposits can work out just as well as pay stubs. If you do contract work, these bank statements reflecting regular deposits can be the only proof of income you have outside of your tax returns. 

Regular deposits can be necessary if a lender wants automatic payments. 

It is not at all uncommon for lenders to require you to sign up for automatic payments as part of the loan terms. These automated payments make the lender's job much easier to handle; all payments are automatically drafted, which means less paperwork and fewer problems with late payments. If you are trying to obtain a loan from a lender who is going to require automatic payments from your bank account, they may actually require that you submit proof that you make regular deposits to the account you plan to use to make your payments. 

Regular deposits can help you establish an identity as a responsible account owner. 

Banks love customers who deposit money into their accounts on a regular basis. It is these deposits that allow them to continue to function as a banking institution. Therefore, banks tend to favor the customers they have who make regular deposits into their checking or savings accounts. With the bank's favor cast in your direction, you may be deemed a good candidate for something like a mortgage loan in the future through the bank.