Since a Deposit is logically impossible without an Account to deposit it in, you need to have an instance of the BankAccount class ready to receive the money. So the way you have it is already correct:
myBank.Deposit(money);
The confusion comes when you try to deposit money via a user, not because you "have to create an object of that class" but because you haven't established a link between the User and the Account.
Think about it: when you (User) goto the bank with a fist full of your hard-earned money, the first thing they want to know is "What account?" - if only because (like me and many others) you may have more than one account with the same bank: Checking and Deposit accounts for example.
So it isn't that you want to
create and instance of the account, but rather that you need to
find out the instance of the account that the user is planning to deposit into: and he may be depositing the money into a number of accounts at the same time - 50% here, 20% there and 30% other there please!
The next fun is that should "Michal" be allowed to deposit or withdraw money on that account? :laugh:
So think about how you need to operate in your Main method - work out what happens with a real bank, and try to emulate that.