you need to Deposit 999,999,999 bells into the bank to get your own personal one. and there is one inside the twon hall for "Public use" and one in the City by the Marquee.
Near the house picture where Lyle is.
Nothing much- you just get more money per month when you save bells in the ABD.
999, 999 bells.
You can pay it off at the ABD. It is located in the city and in the town hall.
It lets you: pay your loan and save/withdraw bells
Go to an ABD machine and press reissue card and it will mail you a new one.
On Wild World: Walk on the red mat in the town hall. Talk to the animal on duty [either Pelly or Phyllis] and click "access account." They will take you from there.On City Folk: Go to the town hall and walk to the left. You will see a white machine. Click on it. That is the ABD.
How much mortgage you pay depends on how much renovation you got. You can ask Tom Nook, or you can find out how much by going to the ABD in the town or the city and hit the "pay mortgage" button.
I'm assuming you're on about the one in the mail from the bank. It is used to buy things from Gracie Gracie. This is because her Furniture is too expensive for one to be carrying it on ones self.
To pay Tom Nook, you must go to the post office/town hall. Then, it varies between the three versions of Animal Crossing. Here are the three versions and what to do: Regular Animal Crossing - talk to Pelly and click pay off mortgage, and then pay it off. Wild World - go to the post office section of town hall, and click 'pay off mortgage'. City Folk - Go directly to the bottom left hand corner of town hall to the ABD. Then, click 'pay off mortgage'.
The shopping card takes money directly from you account when you shop at GracieGrace. You dont need to have money in your pockets. The gold card gives you discounts when you shop there. To get a gold card you need to have saved 1,000,000 Bells in your account. If you don't have any money in your pockets it takes out money in your ABD account.
Technically you don't get it. Nook gives it to you wen u first start. Wen he says u can pay off the loan through the ABD that's your bank account. You can deposit and withdraw money from it. And depositing bells isn't going to your loan. It's just there to collect interest or for spending wen u r ready. If you don't get a bank account from Nook idk what to tell you. I can't even find the ABD in my animal crossing wild world so if you have that it probably doesn't exist. Hope that helped