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BMO Alto High Yield Savings Review: Is It Worth It?The BMO Alto Online Savings Account, the bank's high-yield savings option, allows you to earn % APY. There is a $0 minimum deposit and no fees. BMO Alto Online Savings Account interest rate ; BMO Alto Online Savings Account, %, $0. BMO Alto Online Savings is a variable rate account and interest rates and APYs may change at any time.