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BMO Alto High Yield Savings Review: Is It Worth It? (2024)I can't really find any reviews about BMO Alto, but it has an excellent APY of %, which is much higher than Marcus or the Amex HYSA or Cap1 BMO Alto is an online bank offering a high-yield savings account and CDs. It's ideal for anyone who prefers online banking and wants to maximize their savings. BMO Alto offers competitive savings and CD rates but lacks some features other banks have, such as a mobile app and mobile check deposit.