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BMO ALTO High Yield Savings Account Review (Pros And Cons Of BMO ALTO High Yield Savings Account)BMO Alto received a out of 5 rating from our expert review team and stands out for its high-yield savings account, CDs and no fees. Unlike BMO Alto, Marcus operates a mobile banking app. Customers can keep an eye on their account balance, review transactions and process. Marcus by Goldman Sachs� - % APY; Best for no minimum deposit: BMO Alto - % APY; Best for a large deposit: Popular Direct - % APY.