502, 60 N. W. $22. In banking law, this kind of deposit is contrasted with a “general” deposit, as above: but in the civil law it is the antithesis of an “irregular” deposit. A gratuitous or naked deposit is a bailment of goods to be kept for the depositor without hire or re ward on either side, or one for which the depositary receives no consideration beyond the mere possession of the thing deposited.