Personality traits have been proposed as risk factors for depressive symptoms. However, the neural mechanism behind these relationships is unclear. This study examined the possible mediating effect of resting-state functional connectivity networks on these relationships. Data from 153 healthy Germans were obtained from the MPI-Leipzig Mind-Brain-Body: Neuroanatomy & Connectivity Protocol database. Network-based statistics were used to identify significant functional connectivity networks that were positively and negatively associated with the personality traits of neuroticism, conscientiousness, and extraversion, with and without demographical covariates. Mediation analyses were performed for each personality trait and depressive symptoms with the significant positive and negative network strengths of the respective personality traits as mediators. Neuroticism, conscientiousness, and extraversion were significantly correlated with depressive symptoms. Network-based statistics identified patterns of functional connectivity that were significantly associated with neuroticism and conscientiousness. After controlling for demographical covariates, significant conscientiousness-associated and extraversion-associated networks emerged. Mediation analysis concluded that only the neuroticism-positive network mediated the effect of neuroticism on depressive symptoms. When age and sex were controlled, the extraversion-positive network completely mediated the effect of extraversion on depressive symptoms. These findings revealed that patterns of intrinsic functional networks predict personality traits and suggest that the relationship between personality traits and depressive symptoms may in part be due to their common patterns of intrinsic functional networks.