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BMO Alto High Yield Savings Review: Is It Worth It? (2024)The BMO Alto Online Savings Account pays an annual percentage yield (APY) of % as of July 3, , and requires no minimum deposit. The BMO Alto Savings Account offers a competitive yield. There's no minimum opening deposit requirement and the account has no fees, according to the bank. BMO. There is no required minimum opening deposit for a BMO Alto Online Savings Account and BMO Alto Online Certificate of Deposit (CD). That's right, you need $0 to.