On the beach
Various shells will wash up on the beach overnight. These can be taken to a store to be sold for Bells. In some shells, hermit crabs can be found. Furthermore, wharf roaches and coconut crabs appear on the beach. Coconuts can be planted near the beach to grow palm trees. On these trees, rare beetles can be found. In New Leaf, bananas can be found too, which can also be planted to grow palm trees. In Wild World a Note-in-a-bottle will occasionally wash up. Gulliver also washes up on the beach in Animal Crossing and New Leaf. He must be spoken to repeatedly, or awoken with the megaphone. After this, he will give the player a piece of furniture in Animal Crossing, or have them answer a geography general knowledge question in New Leaf to receive the appropriate furniture item.
In the sea
The ocean is the largest body of water in a town. It can be fished in, or dove in to collect fish like the shark or deep-sea creatures like the spider crab; these collectables can be donated to the museum or sold for Bells. The player needs to buy a fishing rod to be able to fish, or a wetsuit to be able to swim and dive. In Animal Crossing and New Leaf, Kapp'n has a dock on the beach. From here, the player can travel to the island, where many rare fish and bugs can be caught, and Island Tours are available to play with visitors.
- Whenever a game is exited and saved (confirmed for single player), and entered again, 16 shells will be randomly generated around the beach (confirmed for New Leaf). This allows for "fast" generation of money. Using this the player can get more than 100,000 each day, even without the wealthy town ordinance.