diff --git a/src/pages/accounting/AccountingBankingPage.tsx b/src/pages/accounting/AccountingBankingPage.tsx
index 6392985..3b5b00a 100644
--- a/src/pages/accounting/AccountingBankingPage.tsx
+++ b/src/pages/accounting/AccountingBankingPage.tsx
@@ -298,7 +298,8 @@ export default function AccountingBankingPage() {
     if (!amount || amount <= 0) return toast.error("Amount can't be zero");
     if (!coa_account_id) return toast.error(`${type === "credit" ? "Income" : "Expense"} account (COA) required`);
     if (type === "debit" && !vendor_id) return toast.error("Vendor required for payments");
-    if (type === "credit" && !customer_id) return toast.error("Homeowner required for deposits");
+    // Homeowner is optional on a deposit: a cash/general deposit posts Dr Bank /
+    // Cr the chosen income account (no A/R). With a homeowner it clears A/R instead.
 
     const coaName = (accounts as any[]).find((a) => a.id === coa_account_id)?.name ?? "";
     const vendorName = (vendors as any[]).find((v) => v.id === vendor_id)?.name ?? "";
@@ -910,10 +911,11 @@ export default function AccountingBankingPage() {
               </div>
             ) : (
               <div>
-                <Label>Homeowner *</Label>
-                <Select value={txForm.customer_id} onValueChange={(v) => setTxForm({ ...txForm, customer_id: v })}>
-                  <SelectTrigger><SelectValue placeholder="Select homeowner" /></SelectTrigger>
+                <Label>Homeowner <span className="text-muted-foreground text-xs">(optional — leave blank for a cash/general deposit)</span></Label>
+                <Select value={txForm.customer_id || "__none"} onValueChange={(v) => setTxForm({ ...txForm, customer_id: v === "__none" ? "" : v })}>
+                  <SelectTrigger><SelectValue placeholder="No homeowner (general deposit)" /></SelectTrigger>
                   <SelectContent>
+                    <SelectItem value="__none">No homeowner (general deposit)</SelectItem>
                     {(customers as any[]).map((c: any) => (
                       <SelectItem key={c.id} value={c.id}>{c.name}</SelectItem>
                     ))}