Savings

The savings account is a feature in all Animal Crossing games that allow the player to deposit or withdraw their Bells, similarly to a real-life bank account. In and, the player can go to the Post Office or Town Hall, respectively, and talk to Pelly or Phyllis to access their savings. In, the player can only access their savings account after fully paying off their mortgage. In, , and , the player uses the Automatic Bell Dispenser (ABD), also known as the Bellpoint, found at the Town Hall, the Post Office, or Resident Services, respectively. The player can also receive a functioning ABD furniture item in and  after saving 999,999,999 Bells and 100,000,000 Bells, respectively. 0.5% of the total amount of Bells saved is given to the player as interest on the first of each month, capping at 99,999 Bells. In, as of the 1.2.0 update, the interest rate was lowered to 0.05%.

Shopping Card
In, after 10,000 Bells have been deposited into the savings account, the bank will send a Shopping Card (which is also referred to simply as a card) in the mail. This card functions in the same way as a real-world debit card, allowing the player to spend money in their savings account without carrying the Bells around. A Gold Shopping 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 acts exactly like the regular Shopping Card. If the player loses their Shopping Card, they are able to go to the ABD and select "Reissue Card". They will receive a new card in the mail. However, the Gold Shopping Card cannot be replaced.

Rewards
After depositing a certain amount of Bells into the savings account, the player will receive a letter in the mail with a present attached as a reward. Items obtained this way cannot be re-ordered from the catalog.

Trivia
On March 6, 2020, Twitch streamer BrianMp16 became the first documented person to legitimately obtain the 999,999,999 Bells necessary to obtain the Post Office Model in.