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BMO ALTO High Yield Savings Account Review - Is It Worth It? (2024)The BMO Alto Online Savings Account earns % APY and has no monthly fees or minimum balance requirements. Features of our high-yield savings account: No minimum balance, $0 minimum opening deposit, Unlimited transfers and withdrawals, No fees. The account is pretty low maintenance -- no monthly service fees, no account minimums, no opening deposits -- but offers no branch access at BMO.