Making Deposits

It's not mandatory.  You can deposit payments received directly into the bank account.

To do this, first turn on the feature that lets you do this.

Start on the Edit menu in QB and pick Preferences | Payments | Company Preferences and then remove the check-mark next to the option labeled "Use Undeposited Funds as a default deposit to account."

This weirdly-labeled option really means: "Hide the option to record Payments and Sales Receipts using any account except Undeposited Funds"

Once you make this change, then on the Payment and Sales Receipt forms you'll be able to pick a bank account to deposit the payment into: