Nope I meant selling through Reese in game. You can set items to 999,999 and people could buy them off you. It's just easier than dropping bells IMO. I just noticed my wifi is down at the moment so I won't be able to trade until it's back up or you can trade with someone else. Sorry! ;-;
You can use reg flowers. My wifi is alive again if you'd like to trade still~
- - - Post Merge - - -
You ask Reese to sell something (reg flowers for ex) and set the price to 999,999 then I buy the flowers from you for 999,999 each and she'll tell you the following day that your items have sold. If your TT you can just TT to the next day and you can claim the bells. The bells will go straight to your ABD account.
For the retail method, you place items up in your retail shop in-game. The items can just be a bunch of flowers, it doesn't matter, but you set the price to 999,999 bells. Then the person who is trading you bells can visit your town and buy those items you put up in your shop, automatically sending the bells to your bank versus having to drop bells for you to then pick up. You'll have to keep adding items to the shop to get the full 4mil, but that's basically how it's done!
Thank you all for the help, I really appreciate it (I'm new, as you can probably tell). I've actually already traded someone, so I will close the thread.