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BMO ALTO Account Review (2024): Highest Yield Savings Account?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. Earn up to % Annual Percentage Yield (APY). Earn an exclusive introductory APY of up to % when you open a new Relationship Plus Money Market account. BMO Alto's Online Savings account earns one of the highest yields around. Monthly fees and minimum balance requirements are nonexistent. Unlimited transfers and.