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How does "daily interest" work?

xSuperMario64x

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So I know that interest is a percentage of money earned over time. On the TBT ABD, there is a section that says "daily interest", but it says 0%, and it has never gone up. When does it change? Does it depend on how much money is in the ABD? I currently have 1,900 bells in the ABD.
 
I noticed that it wasn't fixed after staying off TBT for 10 months. I hope they can finally revamp it.
 
it's there for aesthetic. it probably won't be removed anytime soon since it's hard to remove it, you'll need to code a bunch of things and it's just too messy. much like getting birthday bells, it's already a hassle giving bells to people that missed it.
 
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