I've read that using keywords in your anchor text for internal links is a good idea.

If this is correct then should I be using a keyword instead of the word 'home' for example on
every page that links back to my index.html page.

Also, my page banner links back to my index page. If I also add another link back to the index page
using a keyword as anchor text, will it get ignored by Google in favour of the banner image link?