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When visiting the Bank guy for my personal bank, I got an option to deposit my gold there. That seems like a simple feature, but I can't figure out what my advantages are.

Do I have to withdraw my gold evertime I want to visit a vendor? Are there mechanisms where I can lose gold?

What are my advantages when depositing gold in my personal bank?

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You can't send mail to yourself, but your bank is shared account wide.

As such you can deposit some gold with one character and then retrieve it with another - similar to how the bank allows you to move items between characters.

Deposited items can be accessed directly when crafting.

Deposited money can't be accessed directly.

Edit:

As of Patch 1.6 ("Update 6"), gold in your bank won't be taken by Guards arresting you due to your previous crimes/bounty.

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