BMO Alto Online Savings: 3.15% APY
Category: bank | Product: Alto Online Savings
Bonus: 3.15% APY
Requirement: No minimum balance, no fees
Dollar requirement: 0
APY (basis points): 315, term: ongoing APY
Status: live
Fee: No monthly fee
Keep period: Rate is variable and can change at any time
Payout timing: Interest compounds daily, credited monthly
ChexSystems: No ChexSystems pull reported
Hard credit pull: false | Referral gated: false
Available in: nationwide
Verified on: 2026-07-17