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I have for the longest time since I want to keep my total amount of bells a secret, lol. I just enter the exact amount I want to deposit/withdraw each time.
I forgot that was a thing. I have 1 bell in there apparently. Probably was just to test how it worked lol. I never saw a reason since it didn't accrue interest or anything. I guess hiding your bell count in cause you get people pestering you is a thing, but even when my tbt was over 10,000 before I burned most of it during naughty and nice I never had anyone bug me about it.
Yup I use the ABD! Though there's not much in there because there's always something new to buy I do quantities of 50 I like having an even number in there