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The BMO Alto difference

BMO Alto is online-only, which allows us to avoid costs like overhead and branch
related costs. By offering online-only services, we can give you competitive
interest rates to help you save faster, and smarter.


BMO ALTO ONLINE SAVINGS ACCOUNT

Make the most of your money with our high-yield online-only savings account.

5.10%

APY as of October 20, 2023

 * No fees
 * $0 minimum opening deposit
 * No minimum balance requirements
 * Unlimited transfers and withdrawals

Open In Minutes


FIND OUT HOW MUCH YOU COULD SAVE WITH A BMO ALTO ONLINE SAVINGS ACCOUNT

Customize the calculator below to determine your savings goals

How much money do you want to start with in your account?

Add an amount between $0 and $250,000 (minimum 0, maximum 250,000)

How much will you deposit regularly?

Add an amount between $50 and $5000 (minimum 50, maximum 5,000)

How often will you make this deposit?

MonthlyAnnually

How long do you want to save for?

Choose a time period between 1 year and 20 years

3 years1 year20 years
How do we determine this calculation?
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POP-UP WINDOW


HOW DO WE DETERMINE THIS CALCULATION?

This example is for illustrative purposes only and assumes a 5.10% Annual
Percentage Yield (APY). Total savings and interest assumes no withdrawals are
made from the account during the calculation period, and deposits occur on the
first of the month for the monthly calculation or on the first day of the year
for the annual calculation. BMO Alto Online Savings is a variable rate account
and interest rates and APYs may change at any time.

Your results have been updated as is now set to .


YOU COULD SAVE $48,087 OVER 3 YEARS



A table describing your projected financial
outlook.YearDepositsInterest2023$25,000$02024$31,000$1,3072025$37,000$2,9962026$43,000$5,087

A table comparing your total deposits, total interest, and total savings with a
B M O Alto Online Savings Account, two columns, three rows

Total amount deposited$43,000Total interest$5,087Total savings$48,087

BMO Alto Online Savings Deposit Account Disclosure:
Open PDF


GET A FULL BREAKDOWN OF OUR ACCOUNT TERMS AND AGREEMENTS

BMO Alto Online Savings Deposit Account Disclosure (PDF, 322 KB)BMO Alto Deposit
Account and Online Banking Agreement (PDF, 595 KB)


ENJOY THE BMO ALTO ADVANTAGE


 * FDIC INSURED
   
   Enjoy peace of mind knowing that your money is safe and secure.


 * EARN HIGH INTEREST ON YOUR SAVINGS
   
   Get a competitive interest rate


 * MOVE MONEY QUICKLY AND EASILY
   
   Transfer funds online at no cost


 * BANK SAFELY AND SECURELY
   
   All BMO Alto accounts are FDIC insured


 * MANAGE YOUR ACCOUNT ON THE GO
   
   Access our easy-to-use banking features


BMO ALTO ONLINE SAVINGS ACCOUNT FAQS


 * WHAT’S THE DIFFERENCE BETWEEN A TRADITIONAL SAVINGS ACCOUNT AND A BMO ALTO
   ONLINE SAVINGS ACCOUNT?
   
   A BMO Alto Online Savings Account is very similar to a traditional savings
   account, with one key difference: with a BMO Alto Online Savings Account, you
   could earn higher interest on your money than if you kept your money in a
   traditional savings account.
   
   Like a traditional savings account, you can transfer funds to and from your
   BMO Alto Online Savings Account at no additional cost.
   
   BMO Alto is online-only, which allow us to avoid costs like overhead and
   branch related costs. By offering online-only services, we can give you
   competitive interest rates to help you save faster, and smarter. If you need
   support for your account, call us at 1-855-266-8100.


 * IS MY BMO ALTO ONLINE SAVINGS ACCOUNT FDIC-INSURED?
   
   Yes, all BMO Alto Online Savings Accounts are FDIC insured. Please visit
   www.fdic.gov for current deposit insurance limits. Your deposits are insured
   by the FDIC up to the maximum limits allowed by law. Deposits made through
   BMO Alto and in other U.S. accounts under the BMO brand name are not
   separately insured by the FDIC and count towards your FDIC deposit insurance
   limit at BMO.


 * CAN I GO INTO A BMO BRANCH FOR ADDITIONAL SUPPORT OR USE A BMO ATM TO
   TRANSACT ON MY ACCOUNT?
   
   No, BMO branches are unable to provide support for your BMO Alto account.
   Give us a call at 1-855-266-8100 for personalized support or assistance with
   your BMO Alto accounts.


 * IS BMO ALTO ONLINE BANKING SECURE?
   
   At BMO Alto we take security very seriously, and we work hard to ensure you
   feel safe banking with us. We have behind-the-scenes monitoring tools, as
   well as security alerts that will be sent to you directly to help keep your
   accounts secure. Get additional customer support by calling us at
   1-855-266-8100.
   
   We will never ask you for your account number via email or text. If you
   receive any communications asking for this information, please send it to
   phishing@bmo.com.


 * HOW DO I DEPOSIT MONEY INTO MY BMO ALTO ONLINE SAVINGS ACCOUNT?
   
   You can deposit funds into your BMO Alto Online Savings account in three
   ways:
   
    1. Use BMO Alto Online Banking to transfer funds from your existing BMO Alto
       account.
    2. Use BMO Alto Online Banking to transfer funds (Automated Clearing House
       (ACH)) from an external bank account that you linked to BMO Alto.
    3. Submit a transfer (ACH) from your external bank account using your BMO
       Alto routing number and account number.


 * ARE THERE ANY FEES ASSOCIATED WITH A BMO ALTO ONLINE SAVINGS ACCOUNT?
   
   No, the BMO Alto Online Savings Account does not have any fees. BMO Alto does
   not charge a fee when you withdraw money from your BMO Alto Online Savings
   Account.


 * WHAT ARE THE BEST WAYS TO USE A BMO ALTO ONLINE SAVINGS ACCOUNT?
   
   A BMO Alto Online Savings Account is great for short-term and long-term
   savings goals. It’s an ideal option if you want to grow your savings, such as
   saving for a down payment, an emergency fund or for a big financial move.


 * CAN I DEPOSIT CASH OR A CHECK INTO MY BMO ALTO ONLINE SAVINGS ACCOUNT?
   
   No, BMO Alto does not accept cash or check deposits. BMO Alto can only accept
   deposits from a bank account via an Automated Clearing House (ACH) transfer.


 * WHAT TYPES OF BMO ALTO ONLINE SAVINGS ACCOUNTS CAN I OPEN?
   
   U.S. citizens and U.S resident aliens of age 18 and older can apply for an
   individual or joint personal account. BMO Alto does not offer Uniform
   Transfers to Minor (UTMA) or business accounts.


 * CAN I USE MY EXISTING BMO DIGITAL BANKING CREDENTIALS TO ACCESS BMO ALTO OR
   LOG IN TO BMO ALTO THROUGH BMO DIGITAL BANKING?
   
   No, your BMO Alto account, services, and communications cannot be accessed
   through BMO Digital Banking. You must enroll in BMO Alto Online Banking and
   create new credentials to access your BMO Alto account.


 * DOES BMO ALTO HAVE AN APP?
   
   No, BMO Alto does not have an app. You can only access BMO Alto through the
   BMO Alto website.


 * WHAT IS MY BMO ALTO ONLINE SAVINGS ROUTING NUMBER?
   
   The routing number for all BMO Alto Online Savings accounts is 075906061.


GET PERSONALIZED SUPPORT

Connect with us by phone.

1-855-266-8100
 * Legal
    * 1 Early withdrawal penalties may apply. Annual Percentage Yield (APY) and
      interest rates shown are current as of October 20, 2023. You have 10 days
      from account opening to fund your CD. If the APY increases when your CD is
      funded, you will receive the higher APY for the entire term of your CD.
      Funds may not be withdrawn for 15 days after initial funding.
    * 2 Please visit www.fdic.gov for current deposit insurance limits.

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POP-UP WINDOW

BMO Alto Online Savings is a variable rate account. The interest rate and Annual
Percentage Yield (APY) may change at any time after the account is opened. No
minimum balance and $0 minimum opening deposit required. Accounts with a zero
balance for 90 consecutive days will be closed.

×


POP-UP WINDOW

Please visit www.fdic.gov for current deposit insurance limits.

 * Privacy
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 * Accessibility
 * About our ads
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--------------------------------------------------------------------------------

BMO Alto is a trade name used by BMO Bank N.A. (“BMO”) to provide certain online
deposit products. All BMO Alto deposit products and services are provided by
BMO. Your deposits are insured by the FDIC up to the maximum limits allowed by
law. Deposits made through BMO Alto and in other U.S. accounts under the BMO
brand name are not separately insured by the FDIC and count towards your FDIC
deposit insurance limit at BMO. Banking products and services are subject to
approval and are provided in the United States by BMO Bank N.A. Member FDIC.

Notice to Customers: To help the government fight the funding of terrorism and
money laundering activities, federal law (USA Patriot Act (Title III of Pub. L.
107 56 signed into law October 26, 2001)) requires all financial organizations
to obtain, verify and record information that identifies each person who opens
an account. When you open an account, we will ask for your name, address, date
of birth and other information that will allow us to identify you. The
information you provide in this form may be used to perform a credit check and
verify your identity by using internal sources and third-party vendors.

Third party web sites may have privacy and security policies different from BMO.
Links to other web sites do not imply the endorsement or approval of such web
sites. Please review the privacy and security policies of web sites reached
through links from BMO web sites.



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