How to Get Banks in Animal Crossing New Horizons: Step-by-Step Guide

How to Get Banks in Animal Crossing New Horizons

If you’re an avid player of Animal Crossing New Horizons, you may be wondering how to get banks in the game. Having a bank in your virtual island can provide many benefits, such as storing your hard-earned bells and earning interest on your savings. In this step-by-step guide, we will walk you through the process of getting banks in Animal Crossing New Horizons.

Table Of Contents

Step 1: Unlock the Resident Services building

The first step in getting a bank is to unlock the Resident Services building on your island. To do this, you need to progress through the main storyline of the game and complete various tasks assigned by Tom Nook. Once the building is unlocked, you will have access to a range of new features and services.

Step 2: Upgrade the Resident Services building

Once you have the Resident Services building, you need to upgrade it to the Town Hall. This requires obtaining a certain number of villagers and completing additional tasks. The Town Hall will provide you with even more options for managing your island, including the ability to build a bank.

Step 3: Build the bank

Once you have the Town Hall, you can start building the bank. Talk to Tom Nook or Isabelle to discuss the construction options available. You will need to gather the necessary materials and pay the required amount of bells to complete the construction. Once the bank is built, you can start using its services.

Pro tip: Make sure to regularly deposit your bells in the bank to earn interest. The more bells you have in your savings account, the more interest you will earn!

With a bank in Animal Crossing New Horizons, you can store your bells safely, earn interest on your savings, and even make withdrawals when needed. Follow these steps to get a bank in the game and take full advantage of its benefits. Happy banking!

Step 1: Earn Bells

The first step in getting a bank in Animal Crossing: New Horizons is to earn Bells, the in-game currency. Bells can be used to purchase items, pay off loans, and fund various projects on your island. Here are some ways to earn Bells:

Sell items: Collect items such as fish, bugs, fruit, fossils, and shells and sell them to Timmy and Tommy in Nook’s Cranny. You can also sell items to other players through online trading or the Dodo Airlines.
Complete tasks: Talk to your residents and fulfill their requests. They may reward you with Bells or valuable items.
Take part in events: Participate in special events or competitions that offer Bell rewards.
Shake trees: Shake trees to find money bags, which contain Bells. Be careful of wasps, though!
Plant money trees: Bury bags of Bells in glowing holes to grow money trees. These trees will yield more Bells when harvested.
Play the stalk market: Buy turnips from Daisy Mae every Sunday and sell them at a high price during the week.

By earning Bells through these methods, you’ll be able to accumulate enough funds to proceed to the next steps in getting a bank in Animal Crossing: New Horizons.

Step 2: Talk to Tom Nook

Once you have completed the first step of setting up your tent and exploring your new island, it’s time to talk to Tom Nook, the resident raccoon and your island’s representative. Tom Nook can be found at the Resident Services building, which is located in the center of your island.

When you approach Tom Nook, he will offer you the opportunity to upgrade your tent to a house. This is an essential step in getting a bank in Animal Crossing: New Horizons.

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Here’s how you can initiate the conversation with Tom Nook:

Approach Tom Nook at the Resident Services building.
Press the A button to interact with him.
Select the “About my home…” option.
Tom Nook will then explain the process of upgrading your tent to a house and ask if you are interested.
Reply with a “Yes” to continue the conversation.

After you confirm your interest in upgrading your tent, Tom Nook will provide you with the necessary information and materials to build your house. He will also inform you about your loan and the cost associated with upgrading to a house.

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Once you have completed these steps, you will be one step closer to getting a bank in Animal Crossing: New Horizons. Keep progressing in the game, paying off your loan, and soon you’ll have your own personal bank to store all of your Bells and other valuable items!

Step 3: Fund the Bank Construction

Once you’ve chosen a spot for your bank, the next step is to fund its construction. You will need to gather a total of 198,000 Bells to cover the cost of building the bank. Here are a few ways you can quickly earn Bells in Animal Crossing: New Horizons:

Sell items: Look for valuable fish, bugs, and fossils to sell to Timmy and Tommy at Nook’s Cranny. You can also sell unwanted furniture, clothing, and other items at the shop or through the drop-off box.
Shake trees: Shake the trees on your island daily to collect tree branches, furniture, and Bells that fall out. Be careful of wasps, though!
Complete tasks: Talk to your villagers and complete the tasks they give you. They may reward you with Bells or valuable items.
Go on tours: Use your Nook Miles to go on Mystery Island Tours, where you can find rare items to sell or donate to the museum.
Buy and sell turnips: Every Sunday, Daisy Mae visits your island to sell turnips. Keep an eye on the prices at Nook’s Cranny throughout the week and sell your turnips when the prices are high.

Once you have enough Bells, go to Tom Nook and choose the option to “Let’s talk infrastructure.” Select the “About my home…” option and then “Ask about a home…” to discuss the bank construction. Choose the “Let’s do it!” option, and the bank construction will begin.

It takes one day for the bank to be completed. The next day, you will have a fully functional bank on your island where you can deposit and withdraw Bells as needed. Congratulations!

FAQ:

How do I get a bank in Animal Crossing New Horizons?

To get a bank in Animal Crossing New Horizons, you need to progress through the game and unlock the Resident Services building. Once you have unlocked the Resident Services building, speak to Tom Nook and choose the “what should I do?” option. He will then give you the option to build a bank, and you can choose the location for it on your island.

What do I need to unlock the Resident Services building?

To unlock the Resident Services building in Animal Crossing New Horizons, you need to complete certain tasks. You will need to upgrade your tent to a house, invite three new villagers to move to your island, complete various tasks for Tom Nook, and pay off your second loan. Once you have done all of these things, the Resident Services building will be unlocked.

What are the benefits of having a bank in Animal Crossing New Horizons?

Having a bank in Animal Crossing New Horizons allows you to deposit and withdraw Bells, the in-game currency. It also allows you to earn interest on your savings, which can help you save up for big purchases. Additionally, the bank provides you with an ATM machine, where you can check your balance and access your savings at any time.

Is there a limit to how much I can deposit in the bank?

No, there is no limit to how much you can deposit in the bank in Animal Crossing New Horizons. You can deposit as many Bells as you want, and there is no penalty for depositing a large amount. However, keep in mind that the bank does not offer any sort of insurance or protection for your savings, so it’s always a good idea to be cautious with your deposits.

Can I withdraw my savings from the bank at any time?

Yes, you can withdraw your savings from the bank in Animal Crossing New Horizons at any time. Simply visit the ATM machine inside the Resident Services building, choose the “withdraw” option, and enter the amount you want to withdraw.

Can I earn interest on my savings in the Animal Crossing New Horizons bank?

Yes, you can earn interest on your savings in the Animal Crossing New Horizons bank. The interest rate is currently set at 0.5%, and it is compounded daily. This means that the longer you keep your savings in the bank, the more interest you will earn over time.

Is there any penalty for withdrawing my savings from the bank?

No, there is no penalty for withdrawing your savings from the bank in Animal Crossing New Horizons. You can withdraw your money at any time without incurring any fees or penalties. However, keep in mind that if you withdraw all of your savings, you will no longer earn interest on the remaining balance.