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BMO ALTO High Yield Savings Account Review (Pros And Cons Of BMO ALTO High 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. Maximize your money with our high-yield online savings account that offers great interest rates, no fees and no required balance or minimum deposit. Grow your savings with our high-yield online-only CD s. No minimum balance. $0 minimum opening deposit. 6 available fixed terms (6 months to 60 months).