Listen up and become a savvy investor! While there are several “interesting” ways to make a ton of Bells in Animal Crossing: New Horizons, not everyone relishes the idea of becoming a world-renowned tarantula hunter, or a cheating time traveler (I said it, anyone who disagrees can fight me by the fishing pond.) Instead, using the savings account is perfectly legitimate way of making money, and while it’s probably the most simple and boring in the world, it is also consistent and always available.

After starting the game, players will eventually gain access to the Automatic Bell Dispenser (ABD) located at Resident Services as part of the multimedia terminal “Nook Stop.” Here, players can deposit and withdraw bells, and your account automatically receives a generous 5% interest on the balance at the start of an in-game month.

Via: animalcrossingworld.com

Did you catch that detail, buried in fine print? Unlike real-world savings, the funds do not need to sit in the savings account for an entire month, and instead only need to be there on the last day of the in-game month and the first day of the next. This means that players could deposit 100,000 bells yesterday, March 31, and today they would have found 105,000 Bells.

This also means that players should create some form of in-game reminder to stash all the Bells they have available at the end of every months overnight to make 5% interest with no work. While this is perfectly legitimate, the technique can also be used with time travel. Setting the clock ahead a year will result in 12 years of compound interest, since the principle and interest would have remained in the account during the entire “year.” that passed by.

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Whether or not one chooses to use this information from real month-to-month, or to accumulate a vast fortune in an instant is up to each individual player. If this is a players first experience with the Animal Crossing series, there are a few risks that should be addressed.

While there is no serious risk like becoming banned from playing the game, going far into the future will cause weeds and cockroaches to overrun your home, and villagers will react as though they’ve been abandoned since a player has technically been gone for some time. Then again, weeds can be cleared, cockroaches can be removed, and villagers can once again become good friends, possibly because of the sudden wealth, but who knows.

Source: twinfinite.net

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