Savings

The Automatic Bell Dispenser (ABD), also known as the Bellpoint, is a machine similar to an Automatic Teller Machine (ATM). The ABD allows you to access the Bank of Nintendo, from which you can pay your mortgage to Tom Nook, withdraw and deposit Bells, or reissue a Shopping Card. 0.5% interest is given on the first of each month. The ABD is only featured in and, with personal savings accounts handled at the Post Office desk in previous games.

City Folk

 * Abd.jpg ABD is located in Town Hall below the Civic Center window.
 * In the city, an ABD is located above the Marquee. This ABD machine is for the "main branch" of the bank located in the city, rather than the town's own branch, however there is no difference in function.
 * A personal ABD furniture item is also obtainable by depositing 999,999,999 Bells into the bank account.

New Leaf

 * An ABD is located in the Post Office, below the desk in the lower left corner of the room.
 * Another ABD is located at the far right of the tour office on Tortimer Island. This machine is of limited use, as Bells are generally not used on the island.
 * A personal ABD furniture item is also obtainable by depositing 999,999,999 Bells into the bank account.

Shopping Card
After 10,000 Bells have been deposited into a bank account in City Folk, the bank will send a Shopping Card (which is also referred to simply as a card) in the mail. This card works in the same way as a debit card, allowing the player to spend money in their bank account without carrying the Bells around. A Golden Card can be obtained by becoming a VIP at the bank, when a total of 1,000,000 Bells has been deposited into the account. It works the same way as the regular shopping card.

Unlockable Items
After despositing a certain number of Bells in the bank, you will receive a letter containing various presents:
 * 10,000 Bells will result in a shopping card being mailed.
 * 100,000 Bells will result in a Tissue box, which is merely a decorative piece of furniture.
 * 10,000,000 Bells will result in a Piggy Bank furniture piece.
 * 100,000,000 Bells will result in a Mailbox furniture piece.
 * 500,000,000 Bells will result in a Gold Shopping card being mailed and replacing the regular Shopping Card.
 * 999,999,999 Bells will result in a functional ABD furniture piece.