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• Testing and maintainability: It is preferable to make a change somewhere (or patch) and limit the repercussions to as few packages as possible (ideally just one) as opposed to having to monitor or refine numerous packages.
• Reusability: When a new version of a package is released, clients who reuse it do not have to test their existing code bases for compatibility with other packages that this particular package depends on. Sometimes, the reusable package evolves only to accommodate the changes to packages that it depends on.
• Releases and builds: Avoiding cycles also helps to steer the development towards an environment that fosters modularization. Owners of different packages are also redeemed from relying on other bleeding-edge packages.
• Deployment: By resolving the cycles, deployment is simplified, as runtime errors like the infamous ClassNotFoundError, are reduced to a minimum by virtue of the toned down coupling between packages.

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The tight coupling between the classes in the two separate packages can be weakened by introducing an interface called BankApplication in a third package Bank. The circular dependency is eliminated by ensuring that the AccountHolderClass does not use an instance of UserClass, but instead relies on the interface by importing the Bank package. In this solution, such functionality is achieved by introducing a parameter of the interface type BankApplication to the depositFunds method. This gives the AccountHolderClass a solid contract to bank upon. Additionally, UserClass implements the interface and provides concrete implementations of the methods while at the same time, inheriting the others from AccountHolderClass.

It might appear that the interface BankApplication contains the superfluous methods depositFunds() and getBalance(). They are present so that if the subclass overrides these superclass methods, the latter retains the capability of internally invoking the subclass' methods polymorphically (like calling ba.getBalance() here, with a custom implementation of the method in UserClass).

package Bank;
public interface BankApplication {   
  void depositFunds(BankApplication ba, String username, double amount);
  double getBalance(String accountNumber);
  double getUserBalance(String accountNumber);
  boolean exists(String username); 
}

package Account;
import Bank.*;  // import from a third package
class AccountHolderClass  {	  
  public synchronized void depositFunds(BankApplication ba, String username, double amount) {	
    // use a utility method of UserClass to check if username exists
    if(ba.exists(username)) { 
      // deposit the amount
    } 
  } 
  public double getBalance(String accountNumber) { /* return the account balance */ return 1.0; }   
}

package User;
import Account.*; // one way dependency
import Bank.*; // import from a third package
class UserClass extends AccountHolderClass implements BankApplication {
  public synchronized double getUserBalance(String accountNumber) {
    // use a method of AccountHolderClass to get the account balance 
    return getBalance(accountNumber); 
  }
  public boolean exists(String username) { /* check if user exists*/ return true; }
} 

package Implementer;
import Bank.*;
import Account.*;
import User.*;
class BankOperations {
  private BankApplication ba;
  public BankOperations(BankApplication ba) {
    this.ba = ba;
  }

  public void doUserActions() {
    System.out.println(ba.exists("user"));
    System.out.println(ba.getUserBalance("1111"));
  }

  public static void main(String[] args) {
    AccountHolderClass ac = new AccountHolderClass(); 
    ac.depositFunds(new UserClass(), "user", 1.0); // pass an interface argument
    BankOperations bo = new BankOperations(new UserClass()); 
    bo.doUserActions(); 
  }
} 

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