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BMO Alto High Yield Savings Account: Is It Worth It? - Review (2024)The Alto site is % legit. I spoke to BMO agents who confirmed. It's a wholly separate site from BMO by design, on different banking platforms. Earn high interest with our online-only savings account and certificates of deposit (CDs). Get great rates and pay zero monthly fees with BMO Alto. The account is pretty low maintenance -- no monthly service fees, no account minimums, no opening deposits -- but offers no branch access at BMO.