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BMO Altoalto.bmo.comBMO Alto is an online-only banking platform from BMO Financial Group that offers high-yield online savings accounts and online certificates of deposit (CDs). Accounts have no monthly fees, no minimum balance or opening deposit, are FDIC insured, and feature competitive APYs (e.g., 3.25% APY for savings and 2.75% APY for a 12-month CD as of Dec 12, 2025). All banking is conducted online through BMO Alto Online Banking with phone support, and it does not support traditional BMO branches or standard BMO Digital Banking.
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