It automatically adds interest to your account every month.
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Sell lots of stuff or to get 99,999 bells put at least 50,000 bells in your bank then change the date to 2099 then you should have interest
Yes, You can change your hair on animal crossing wild world. You need to have the biggest and last Nook's store though. It is called Nookingtons. It will cost 3000 bells to change your hair and you can only change it once a day.
You don't
keep saving up
You'll need Action Replay. I believe on almost every AR, there's a code already in there for Weeds to Bells. Each weed should turn into a bell bag.